• Prof. (Dr.) Ashok Kumar Srivastava
• Anand Kumar

A sample of university students from Jannayak Chandrasekhara University, Ballia, will be studied in this paper to determine their level of financial literacy. Results show that most of the students have basic level of financial knowledge but they lack in understanding of credit, taxes, share market, financial statement and insurance. Students are highly influenced by their parents at home and they have positive attitude towards savings. The study further identified income, age, stream of education, types of college, and attitude of students as determinants of financial knowledge; and financial knowledge is unaffected by gender, university affiliation, financial behavior and influence. It is concluded that college students have basic level of financial knowledge. However, overall financial knowledge of the students is affected by some of their demographic, educational and personality characteristics.The study found that university students with a background in commerce had fairly strong financial literacy, which has nothing to do with their demographic profile. The study's objectives are to ascertain the degree of financial literacy among university students, to ascertain the association between financial literacy and student characteristics, and to offer a resource for information that might help with the formulation of strategies to raise financial literacy among university students. A survey instrument is used in this study to gauge participants' levels of financial literacy with regard to concepts including saving and spending, banking, risk management, insurance, and investing. The results were analyzed based on gender, study area, housing type, class rank, employment status, parents' educational background, and the student's school. By using logistic regression and analysis of variance, the association between financial literacy and the student population's demographics was investigated.

Financial Literacy, University Students, Financial Behavior, Influence, Attitude, and Financial Knowledge.

"Personal Financial Literacy among University student: a Study of Jananyak Chandrashekhar University, Ballia", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 5, page no.p518-p534, May 2023, Available :http://www.jetir.org/papers/JETIR2305G72.pdf

"Personal Financial Literacy among University student: a Study of Jananyak Chandrashekhar University, Ballia", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 5, page no. ppp518-p534, May 2023, Available at : http://www.jetir.org/papers/JETIR2305G72.pdf