Article’s

In recent years, personal financial planning has gained significant importance as individuals face increasing financial responsibilities and economic uncertainties. This study focuses on examining the level of understanding of personal financial planning among employees and analysing the relationship between financial literacy and their financial planning practices. It also aims to identify the various factors that influence personal financial behaviour among working individuals. The research adopts a descriptive research design to provide a clear picture of employees’ financial awareness and practices. A convenience sampling method was used, and data was collected from 114 respondents. The study is based on both primary and secondary data. Primary data was gathered through a structured questionnaire distributed to employees, while secondary data was obtained from internet sources, existing publications, and scholarly works. Various statistical tools such as percentage analysis, ANOVA, correlation, chi-square test, and weighted average mean (WAM) were used to analyse the data and interpret the results. The findings of the study are expected to provide insights into employees’ financial literacy levels and their impact on financial planning decisions, thereby helping in understanding the need for improved financial education and awareness.