The money that people or organizations set aside from their income or earnings for use in the future or for investments is referred to as savings. It's a reserve of money that is usually kept in a savings account, an investment, or other safe assets rather than being instantly spent. The ability to attain long-term goals and feel financially secure can both be gained via saving. The term "investment" describes the process of allocating funds, time, or resources to goods, endeavors, or projects with the hope of achieving future financial gain, profit, or value appreciation. The study discusses their demographic characteristics, saving habits, the purpose of saving, and a few other related aspects. The study is based on primary sources of data which is collected by the distribution of structured questionnaires and the data is acquired from the interviews of 100 college students for the same. A questionnaire-cum-schedule was prepared for collecting data. Data has been tabulated and analyzed with the help of statistical software. The results highlight that a good percentage of respondents save a portion of the money received by them. However, there are less number of respondents whose savings are more than their spending.
Kanchanlata Sinha Dharmendra Kumar (2026) studied this question.