The study analyzes the connection between the financial literacy aspect and the perceptions of consumers and their use of FinTech services in India. Againtst the backdrop of the fact that the spread of FinTech solutions is gaining pace among the socio-economic groups, it is important to clarify how financial literacy may affect the course of the inclusive financial innovation. We have employed empirical survey among 600 participants sampled both in urban areas and semi-urban areas. The constructs were measured using validated measures and SPSS 26 and AMOS 24 were used to analyse data. The exploratory factor analysis produced a three-factor solution that measured 68.3 % of the observed variance; this result was also confirmed in the confirmatory factor analysis, with loading values between 0.64 and 0.88. Overall, the results reveal that there is a strong relationship between financial literacy and attitudes toward, and the actual use of FinTech services among Indian consumer. The structural equation modelling showed that the impact of financial literacy on consumer perception (beta = 0.51) and usage( beta = 0.43) was significant but consumer perception used to predict usage (beta = 0.35). The regresion results indicated that financial literacy explained 31 % variance in FinTech usage; FinTech usage also differed by significant amounts across income groups. These results suggest that more responsible and extended use of FinTech may be promoted by increasing financial literacy. The conclusions of the study contain policy-related guidelines to specific education programs that can be used to facilitate the promotion of digital financial inclusion.