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Paper Title
FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL
Authors
Mr. Sidharth Singh Sengar , Ms. Smriti Shrivastava
Keywords
Financial literacy; Investment behaviors; Risk perception; Youth; India; Commerce; Fintech
Abstract
Financial literacy has emerged as a vital life skill, particularly for young adults who are beginning their financial journeys in an era of rapid market changes, digital platforms, and widespread misinformation. This study investigates the influence of financial literacy on the investment decisions of young investors in Bhopal, India. Using a structured questionnaire administered to 120 respondents aged 18-30, the research analyses levels of awareness, preferred investment avenues, and risk tolerance, employing descriptive statistics and Chi-square tests to assess associations between age and investment behaviour.
The findings reveal that while awareness of investment options is relatively high, actual participation remains modest. Mutual funds and fixed deposits dominate portfolios, reflecting a preference for low- to medium-risk instruments, whereas cryptocurrencies and other volatile assets attract limited interest. Although no statistically significant relationship is found between age and investment behaviour, the results suggest that financial literacy enhances confidence, diversification, and the use of digital investment tools.
The study contributes to commerce literature by providing an empirical snapshot of youth investing in an Indian context and highlights the persistent gap between financial knowledge and investment action. It recommends a twin-track approach: integrating financial education into academic curricula and designing youth-centric financial products that encourage responsible participation in markets.
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IJCRT — journal style
"FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.13, Issue 9, page no.g377-g388, September 2025, Available :https://ijcrt.org/papers/IJCRT2509727.pdf
APA — 7th edition
Sengar, S. S., & Shrivastava, S. (2025). FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL. International Journal of Creative Research Thoughts, 13(9), g377-g388. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727
MLA — 9th edition
Sengar, Sidharth Singh, and Smriti Shrivastava. "FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL." International Journal of Creative Research Thoughts, vol. 13, no. 9, 2025, pp. g377-g388, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727.
Chicago — 17th, bibliography
Sengar, Sidharth Singh, and Smriti Shrivastava. "FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL." International Journal of Creative Research Thoughts 13, no. 9 (2025): g377-g388. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727.
Harvard — author–date
Sengar, S.S. and Shrivastava, S. (2025) 'FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL', International Journal of Creative Research Thoughts, 13(9), pp. g377-g388. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727
IEEE — numbered reference
S. S. Sengar and S. Shrivastava, "FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL," IJCRT, vol. 13, no. 9, pp. g377-g388, Sep. 2025.
Vancouver — biomedical
Sengar SS, Shrivastava S. FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL. IJCRT. 2025 Sep;13(9):g377-g388.
AMA — 11th edition
Sengar SS, Shrivastava S. FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL. IJCRT. 2025;13(9):g377-g388. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2509727,
author = {Sidharth Singh Sengar and Smriti Shrivastava},
title = {FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL},
journal = {International Journal of Creative Research Thoughts},
volume = {13},
number = {9},
pages = {g377-g388},
year = {2025},
month = {September},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Sengar, Sidharth Singh
AU - Shrivastava, Smriti
TI - FACTORS INFLUENCING INVESTMENT DECISIONS AMONG YOUNGSTER: AN EMPIRICAL ANALYSIS OF FINANCIAL LITERACY IN BHOPAL
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 13
IS - 9
PY - 2025
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727
SP - g377-g388
ER -
Issue
Volume 13 Issue 9,
September-2025
Pages : g377-g388
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 13, Issue 9, September 2025
- Pages
- g377-g388
- Published
- September 2025
- Registration ID
- IJCRT_294234
- Published Paper ID
- IJCRT2509727
- Research Area
- Commerce and Management, MBA All Branch
- Author Type
- Indian Author
- Location
- Bhopal, Madhya Pradesh, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 327
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2509727
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2509727.pdf
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