abstract

The financial strategies of Indian women have undergone a remarkable transformation, driven by socio-economic, cultural, and technological advancements. This study focuses on the evolving financial decision-making patterns among women in Agra, a city with deep-rooted cultural traditions and a burgeoning modern economy. The research aims to uncover the factors influencing financial behavior, the role of education and employment, and the impact of digital financial tools. Through a mixed-method approach involving surveys, interviews, and secondary data analysis, the study provides insights into the changing financial landscape for women in Agra. Results indicate a significant shift towards financial independence, technology adoption, and diversified investment preferences, highlighting the need for targeted financial literacy programs and policy interventions to support this evolution.