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1. Financial literacy and Investment behaviour amongst graduate and post graduate students. Research Paper Authors- Sakshi Jobalia Vaishavi Zatakia Deesha Sarawgi Risha Raka

2. Financial Literacy : It involves having the knowledge and skills to effectively manage money and make informed financial decisions throughout life. Financial literacy empowers students, especially during graduation and post-graduation, enabling them to take control of their financial goals as they transition to financial independence. Investment is described as sacrificing current resources for future benefits, contributing to a nation's physical capital stock. Financial Savvy for Success:” Investing Wisely in the Age of Commerce ". Introduction

3. Introduction “ Investing is simple ,but not easy”- Warren Buffet. Investment is described as sacrificing current resources for future benefits, contributing to a nation's physical capital stock. Despite its simplicity in concept, investing is challenging due to human tendencies to prioritize immediate gratification over long-term gains, requiring patience and discipline. Investment Behavior encompasses the choices individuals make in allocating their money across various assets, each with its own risk-return profile .

4. Objectives & Purposes Examine the degree of financial literacy among Indian university students by taking into account how well they comprehend fundamental financial ideas including debt management, investing, saving, and budgeting. Determine what obstacles and difficulties Indian university students encounter while trying to invest , such as insufficient understanding about investing opportunities, cognitive prejudices, and lack of access to financial resources. To evaluate the influence of various demographics like gender and education level on the level of financial literacy Understanding financial literacy equips graduation and post-graduation students with the ability to make well-informed investment decisions , catering to both short-term and long-term financial goals.

5. Sample Size-101 Research Methods- Convenience sampling and Non-Probability Sampling. We have used Questionnaire Method for our Research. We have used excel to analyse the collected data. Limitation to the analysis : Sample size, Interpretation challenges, Assumption of Independence, Limited to Quantitative Data. Research Methodology

6. The link below are the Research Paper which we had studied while our research: Literature Review

7. Results The link below is Data Analysis of our survey-

8. Conclusion The study highlights the importance of incorporating experiential learning and practical training in investment analysis and financial management. Knowledge Gap Exists despite advanced education, a majority (54.5%) of students lack understanding of basic financial concepts for sound investment decisions. Risk Tolerance Varies: The study identified diverse risk preferences :- Cautious Investors: 17.5% prefer low-risk options. Risk-Takers: 64.4% may have a higher risk tolerance. Risk Tolerance is influenced by age, income level, and educational attainment.

9. Suggestions Applications of financial concepts must be taught in colleges and universities. Colleges should conduct workshops, seminars and finance events where industry experts would guide the students to start investing and saving money effectively. They should arrange activities like live paper trading where students get exposure to real world trading scenarios.

10. References & Citations A Study on Financial Literacy among the Graduate and Post Graduate Students with special reference to Veraval city.( Abhani Dhara K., 2019) A profile of financially at-risk college students. Journal of Consumer Affairs, 38(1), 56-80. Lyons, A. C. (2004) Impact of Financial Literacy on Investment Behaviour among Post Graduate Management Students (International Journal of Research Publications and Reviews) The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning, 20(1), 15-24. Mandell, L., & Klein, L. S. (2009) Determinants of financial literacy and financial literacy level of college students. Journal of Family and Economic Issues, 37(2), 369-379. Yoo, J., Kim, J., & Rutherford, C. (2016).

11. Acknowledgement Thank you Dr.Harshada Mulay Ma’am for mentoring us throughout the research paper.

12. Thank You