A Study on Investment Awareness among Working Women of Navi Mumbai

Abstract In recent years, women’s participation in financial decision-making and investment activities has gained increasing attention due to rising financial literacy, greater workforce involvement, and improved access to digital financial platforms. As more women achieve economic independence, understanding their investment awareness and behavior has become essential for promoting inclusive financial growth. This study examines the level of investment awareness among women in Navi Mumbai and analyzes how socio-economic factors such as age, education, income, and occupation, along with risk perception, influence their investment behavior. Primary data was collected through a structured questionnaire distributed among working and non-working women in Navi Mumbai. Secondary data was gathered from academic journals, research articles, government reports, and financial publications related to financial literacy and investment trends. Statistical tools such as percentage analysis and ANOVA were applied to evaluate the relationship between demographic variables and investment awareness levels. The findings reveal that education, income level, and occupational status significantly influence investment decisions and awareness. However, lack of financial knowledge, limited decision-making autonomy, and risk aversion remain major barriers. Mutual funds, fixed deposits, and government savings schemes emerged as the most preferred investment avenues. The study emphasizes the need for targeted financial literacy programs and policy interventions to strengthen women’s investment participation and long-term economic empowerment.