Overview

The Indian economy has been growing at a rapid pace due to liberalization policies adopted by the Government. However, this growth has faced increased pressure from the uncertain global environment and moderation in investment demand. To ensure a broad-based and inclusive economic development, the most essential resources that play as the backbone of such an emerging economic system are the ample availability of money in the hands of people and its adequate management. Money is the most widely accepted medium of exchange and has a paramount place in the ability of an individual to fulfill their social and material needs. However, the survey of Ahuwalia (2006) revealed that despite their long-term savings goals such as savings for old age,

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