Overview

"Over the last decades, the Indian economy has been growing at a rapid pace due to the liberalization policies adopted by the Government. This growth and the corresponding expansion of financial markets have opened a plethora of investment opportunities. However, on the other hand, this growth has faced increased pressure from the uncertain global environment as well as moderation in investment demand. Hence, in an emerging economy like India, the growth should be complemented by a broad based and inclusive economic development. One of the most essential resources that play as the backbone of such an emerging economic system is the ample availability of money in the hands of people and its adequate management. According to Oleson (2004)1, money is ""the most widely accepted medium of exchange and has a paramount place in the ability of an individual to fulfill his/her social and material needs like planning for children's education, marriage, own retirement, old age security, etc."". Hira et al. (1989)2 stated, ""the ability to manage effectively the monetary resources would help individuals to achieve financial satisfaction and financial well-being which would contribute to their life-satisfaction"""

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