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The dynamic financial sector of India has been rapidly growing over the last few years. There has been significant development over the previous five years to move India into financial inclusion through cost-effective, convenient, and secure means, which bring the unbanked rural households into the economic mainstream. Despite the rapid growth of the sector, significant sections of the population experience these positive changes at a much slower pace. Although the majority of the households having a bank account, they are unaware of the financial services, products and investment provisions, less financial knowledge, unsatisfactory and adverse financial behavior, and attitudes. Bank accounts are being opened forcefully as part of direct benefit transfer. Many of them are unfamiliar with even the most basic economic and financial concepts required to make sensible financial decisions. This paper tries to assess gender differences in financial literacy among rural households. A comprehensive approach for measuring financial literacy is developed by constructing the Financial Literacy Index (FLI) comprising the indicators like financial knowledge, financial behavior and financial attitude. The study is based on the primary data having five hundred samples, were collected from the rural areas of Aligarh district. The findings indicate the gender differences in different indicators of financial literacy, in which males were more knowledgeable in financial matters than female respondents.

Gender Differences in Financial Literacy: Evidence from India