Abstract: This study investigates the investment behaviour and decision-making patterns of women employees in Madurai District by integrating both theoretical perspectives and empirical analysis. In recent years, the growing financial independence of women has led to increased participation in investment activities, making it essential to understand the factors influencing their financial decisions. The research focuses on key determinants such as demographic characteristics, financial literacy, income levels, risk perception, and personal financial goals.The study is based on primary data collected from 150 respondents using a structured questionnaire. Statistical tools including percentage analysis, correlation and regression techniques were applied to analyse the data and identify relationships between variables. The findings reveal that women employees predominantly prefer low-risk investment options such as bank deposits and gold, reflecting a strong inclination toward safety and stability. However, there is a noticeable shift among younger and more financially aware respondents towards diversified investment avenues such as mutual funds and insurance products.The results further indicate that income level and financial literacy significantly influence investment decisions, with higher-income individuals demonstrating greater diversification in their investment portfolios. Risk perception also plays a critical role, as many respondents exhibit cautious behaviour due to uncertainty and lack of confidence in high-risk investments. The study highlights the importance of financial education and awareness programs in empowering women to make informed investment choices.Overall, the research provides valuable insights for financial institutions, policymakers, and educators to design strategies that promote financial inclusion and improve investment participation among women employees.
Keywords: Investment Behaviour, Women Employees, Financial Literacy, Risk Perception, Investment Decision, Madurai District, Income Level, Financial Awareness.
Title: A STUDY ON INVESTMENT BEHAVIOUR AND DECISION OF WOMEN EMPLOYEES IN MADURAI DISTRICT
Author: S Harunnisha, Dr. S. Ganesan
International Journal of Management and Commerce Innovations
ISSN 2348-7585 (Online)
Vol. 14, Issue 1, April 2026 - September 2026
Page No: 22-33
Research Publish Journals
Website: www.researchpublish.com
Published Date: 04-April-2026
