Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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Volume 7 Issue 2
March-April 2026

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Determinants of Spending and Saving Behaviour among College Students in Bangalore

Author(s) Mr. Sharukesh S, Dr. Kruti Vaibhav Dave
Country India
Abstract Abstract
The financial behaviour of college students has gained increasing attention due to its impact on long-term financial stability and decision-making. This study examines the spending and saving behaviour of college students in Bangalore with a focus on identifying the influence of income levels and financial literacy. A descriptive research design was adopted, and primary data were collected from respondents using a structured questionnaire. Statistical tools such as Chi-square test, Spearman’s rank correlation, and multiple linear regression were used for data analysis.
The findings reveal a significant variation in students’ spending patterns and a strong association between income levels and expenditure behaviour. However, income does not significantly influence the decision to save, although it shows a weak to moderate relationship with saving intensity and purpose. Financial literacy is found to have a significant positive impact on students’ financial behaviour, particularly in improving saving habits, reducing impulsive purchases, and enhancing financial discipline. Among the dimensions of financial literacy, financial confidence and self-assessed literacy emerge as the most influential factors.
The study concludes that while income affects spending patterns, financial literacy plays a more dominant role in shaping responsible financial behaviour among college students. The findings highlight the need for structured financial education programs in higher educational institutions.
Keywords Keywords: Financial literacy; Spending behaviour; Saving behaviour; College students; Income level; Financial decision-making; Bangalore
Field Sociology > Banking / Finance
Published In Volume 7, Issue 2, March-April 2026
Published On 2026-04-22
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E-ISSN 3048-7641
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