Published Paper Details:

This study examines the financial behavior of Gen Z investors with special focus on Hyderabad district, aiming to understand the factors influencing their investment decisions, risk preferences, and financial goals. The research adopts a quantitative approach and is based on primary data collected through a structured Likert-scale questionnaire administered to 90 Gen Z respondents who are registered members of Angel One. A convenience sampling technique was employed, and statistical tools such as percentage analysis, regression analysis, and factor analysis were used to interpret the data. The findings reveal that the majority of respondents are mid-Gen Z professionals aged 24-26 with moderate income levels and stable salaried employment as their primary investment source. Despite being digitally active, Gen Z investors show a stronger preference for safer investment avenues such as Fixed Deposits and Recurring Deposits over high-risk assets like cryptocurrencies and NFTs, indicating a moderate risk appetite. Learning and experimentation emerged as the most influential factor driving investment decisions, followed by long-term wealth creation and retirement planning. The study also highlights the significant role of peer reviews, financial advisors, and technology-enabled investment tools in shaping informed decision-making. Overall, the research concludes that Gen Z investors in Hyderabad are goal-oriented, knowledge-driven, and technologically empowered, with a strong focus on long-term financial security rather than short-term speculative gains.