Understanding Financial Agency: Young Women’s Financial Decision-Making in India

This report examines how financial knowledge, household power, social expectations and legal awareness shape women’s financial independence and decision-making in India.

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This report examines the relationship between financial inclusion and women’s practical control over money. Drawing on survey findings, Indian laws, financial-inclusion policies and international frameworks, it considers how financial knowledge, household power, legal awareness and financial abuse shape women’s financial agency. The findings will inform the development of an integrated financial and legal literacy toolkit.