Published Paper Details:

Financial literacy plays an increasingly crucial role in shaping investor behavior, particularly within emerging markets like India where rapid financialization coexists with significant knowledge gaps. The expansion of financial markets and the proliferation of investment products have created both opportunities and risks for individual investors. This paper examines the influence of financial literacy on investor behavior, analyzing how knowledge, attitude, and decision-making skills affect market participation, risk management, and portfolio outcomes. Drawing on survey data, secondary research, and case studies of major literacy initiatives, the paper identifies patterns that highlight the role of education, digital inclusion, and behavioral control in improving financial outcomes. Findings reveal that higher levels of financial literacy correlate strongly with rational investment choices, reduced susceptibility to biases, and enhanced long-term planning. The paper concludes with policy recommendations emphasizing nationwide financial education, technology-driven learning platforms, and targeted programs for rural and marginalized investors.