International Journal of Social Science Research (IJSSR)

Saving and Investment Dynamics Among Higher Education Students: A Micro-Level Study of Pragjyotish College”

This research looks at how college students save and invest their money. It focuses on who they trust for financial help and advice, such as family, friends, banks, apps, and websites. Today, it’s important for young people to become financially independent and understand how to manage money. The study finds out what saving and investment habits students have, how much they know about finances, and who influences their decisions. To do this, a questionnaire was given to students from different courses and years. It asked about how often they save, where they get their money from, what kind of investments they prefer, and which financial sources they trust. It also looked at the problems they face while handling money and whether they want to learn more about finance. The results show that many students do save money, but only a few actually invest. Friends and digital tools like apps are becoming popular sources of financial help. However, many students still don’t know enough about managing money. The study suggests that colleges should include financial education and help students learn how to handle money better. Key Words: Saving, Investment, financial literacy, Awareness etc.