Financial Literacy Among Working Women in Haryana: An Analytical Study of Demographic and Socioeconomic Associations

This study investigates the financial literacy levels among working women in Haryana, focusing on key cities including Rohtak, Sonipat, Panipat and Karnal. Using a structured survey, primary data was collected from 440 participants to assess their understanding of financial concepts and its correlation with demographic and socioeconomic variables. The analysis, conducted using SPSS 23, revealed significant associations between financial literacy and factors such as age, educational qualification, monthly income and marital status. Chi-square tests confirmed these relationships, underscoring the varying levels of financial literacy across different demographics. The findings highlight the need for targeted financial literacy programs addressing the unique needs of working women in Haryana. The study contributes to understanding financial inclusion and empowerment through demographic-specific strategies.