{"id":13311,"date":"2026-10-11T18:35:35","date_gmt":"2026-10-11T13:05:35","guid":{"rendered":"https:\/\/bijmrd.com\/?p=13311"},"modified":"2026-10-19T20:46:22","modified_gmt":"2026-10-19T15:16:22","slug":"working-women-and-household-financial-planning-in-delhi-ncr-an-economic-analysis-of-financial-participation-investment-behaviour-and-womens-economic-autonomy","status":"publish","type":"post","link":"https:\/\/bijmrd.com\/index.php\/volume4-issue9\/working-women-and-household-financial-planning-in-delhi-ncr-an-economic-analysis-of-financial-participation-investment-behaviour-and-womens-economic-autonomy\/","title":{"rendered":"Working Women and Household Financial Planning in Delhi-NCR: An Economic Analysis of Financial Participation, Investment Behaviour and Women\u2019s Economic Autonomy"},"content":{"rendered":"\n<p class=\"has-vivid-cyan-blue-color has-text-color\"><strong>Author: Rekha<\/strong><\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color\"><strong>DOI Link:<\/strong> <a href=\"https:\/\/doi.org\/10.70798\/Bijmrd\/04090013\">https:\/\/doi.org\/10.70798\/Bijmrd\/04090013<\/a><\/p>\n\n\n\n<p><strong>Abstract:<\/strong> The increasing participation of women in paid employment has transformed the economic structure of Indian households. Working women are no longer confined to the role of supplementary earners; their income, savings, investment decisions and participation in household financial planning increasingly influence household economic security and long-term welfare. This paper examines the changing role of working women in household financial planning, with particular reference to Delhi-NCR and women employed in the higher-education sector. The study focuses on women\u2019s participation in budgeting, savings, investment, insurance, debt management, tax planning and retirement planning. It also examines the relationship between women\u2019s economic participation, financial awareness and their autonomy in household financial decision-making.<\/p>\n\n\n\n<p>The paper is based primarily on secondary literature and available statistical information relating to women\u2019s education, employment, labour-force participation and investment behaviour. The review of previous studies indicates that women traditionally exhibit a preference for relatively secure financial instruments such as bank deposits, insurance, gold and provident funds, although increasing financial literacy, digital access and exposure to financial markets are gradually broadening investment choices. The available evidence also suggests that income, education, occupation, financial awareness, risk perception and household circumstances influence women\u2019s investment decisions.<\/p>\n\n\n\n<p>The Delhi-NCR context is particularly important because of its concentration of universities, colleges, professional institutions, corporate organisations and information-technology activities. The paper argues that women\u2019s participation in household financial planning should be examined as an important dimension of gender, labour and household economics rather than merely as an issue of personal investment behaviour. Strengthening financial literacy, improving access to appropriate financial products and enhancing women\u2019s decision-making autonomy can contribute to household financial resilience and broader economic inclusion.<\/p>\n\n\n\n<p><strong>Keywords:<\/strong> Financial Literacy, Investment Behaviour, Economic Autonomy, Women Empowerment, Higher Education, Gender Economics.<\/p>\n\n\n\n<p class=\"has-ast-global-color-1-color has-text-color\"><strong>Page No: 117-128<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-ast-global-color-6-background-color has-background wp-element-button\" href=\"https:\/\/bijmrd.com\/wp-content\/uploads\/2026\/10\/117-128.pdf\">download journal<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Author: Rekha DOI Link: https:\/\/doi.org\/10.70798\/Bijmrd\/04090013 Abstract: The increasing participation of women in paid employment has transformed the economic structure of Indian households. Working women are no longer confined to the role of supplementary earners; their income, savings, investment decisions and participation in household financial planning increasingly influence household economic security and long-term welfare. This paper &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/bijmrd.com\/index.php\/volume4-issue9\/working-women-and-household-financial-planning-in-delhi-ncr-an-economic-analysis-of-financial-participation-investment-behaviour-and-womens-economic-autonomy\/\"> <span class=\"screen-reader-text\">Working Women and Household Financial Planning in Delhi-NCR: An Economic Analysis of Financial Participation, Investment Behaviour and Women\u2019s Economic Autonomy<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":"","_joinchat":[]},"categories":[65],"tags":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":false,"author_link":"https:\/\/bijmrd.com\/index.php\/author\/asraful-alibiswas\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/bijmrd.com\/index.php\/category\/volume4-issue9\/\" rel=\"category tag\">Volume4 Issue9<\/a>","rttpg_excerpt":"Author: Rekha DOI Link: https:\/\/doi.org\/10.70798\/Bijmrd\/04090013 Abstract: The increasing participation of women in paid employment has transformed the economic structure of Indian households. Working women are no longer confined to the role of supplementary earners; their income, savings, investment decisions and participation in household financial planning increasingly influence household economic security and long-term welfare. This paper&hellip;","_links":{"self":[{"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/posts\/13311"}],"collection":[{"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/comments?post=13311"}],"version-history":[{"count":1,"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/posts\/13311\/revisions"}],"predecessor-version":[{"id":13312,"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/posts\/13311\/revisions\/13312"}],"wp:attachment":[{"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/media?parent=13311"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/categories?post=13311"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bijmrd.com\/index.php\/wp-json\/wp\/v2\/tags?post=13311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}