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Financial literacy: When, what and how

This article is authored by Parul Agarwal, Senior Research Manager at IFMR-LEAD, and was recently published by Ideas for India.

The need for financial literacy and its importance for financial inclusion have been widely recognised. Based on various research studies on financial literacy initiatives, this column outlines financial services’ needs of a poor household at various stages of its life cycle. It contends that customising financial literacy programmes according to the stage of life of targeted individuals is crucial for their effectiveness.

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