Financial literacy has become an essential component of economic well-being and financial inclusion, particularly among working women who increasingly contribute to household and national economic development. In India, the growing participation of women in the workforce has highlighted the need for greater financial awareness and informed financial decision-making. Financial literacy empowers women to effectively manage personal finances, make investment decisions, plan for retirement, and achieve financial independence. Despite significant progress in education and employment opportunities, several studies indicate that working women continue to face challenges related to financial knowledge, confidence, and access to financial information.

This review paper aims to examine the existing literature on financial literacy among working women in India and identify emerging research directions in the field. The study adopts a systematic review approach by analyzing published research articles, reports, and scholarly works related to financial literacy, financial behavior, investment decision-making, and women's financial empowerment. The review synthesizes findings from national and international studies to understand the determinants, outcomes, and challenges associated with financial literacy among working women.

The findings reveal that factors such as education, income, occupation, age, and digital financial exposure significantly influence financial literacy levels. Moreover, higher financial literacy is positively associated with improved savings behavior, investment participation, financial planning, and economic empowerment. The review also identifies gaps in existing research, particularly concerning digital financial literacy and women in rural and semi-urban areas. The study concludes by emphasizing the need for targeted financial education initiatives and future research to strengthen financial inclusion and economic empowerment among working women in India..