"Financial Literacy Among Undergraduate Students in Palghar District: A Comprehensive Analysis".

This research investigates financial literacy levels among 150 undergraduate students across rural, semi-urban, and urban regions of Palghar district, Maharashtra, India. Key findings from structured surveys: • Urban students show higher confidence (62%) vs rural (31%) • Knowledge gaps minimal (23% difference across regions) • Family dominates financial decision-making (65%) • Digital tool adoption: Rural 33% vs Urban 63% **Status**: Final draft under review at Journal of Corporate Finance Management and Banking System (JCFMBS). Submitted February 6, 2026.