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Financial Capability is defined as a combination of awareness, knowledge, skill, attitude and behaviour necessary to make sound financial decisions and ultimately achieve individual financial wellbeing. Finance education can develop required awareness and provide relevant financial knowledge. Financial training can render appropriate skills and competence. Social marketing can ensure attitudinal change and behavioural modification. Thus finance education is an important component of the developmental mechanism for enhancing financial capability. Finance education is a must for everyone. However, policy makers will have to address finance education needs of kids, school students, college / university students, youths, retirees / senior citizens, women, defence personnel, parents, teachers and employees separately in order to get the best results. Indian Government and regulatory bodies in the financial sector will have to do their bit to ensure that appropriate finance education is provided to all citizens and their financial capability is enhanced.

Finance Education is imperative for enhancing Financial Capability of Indian citizens