The Regulatory Practices of Indian Financial Market and its Impact on Sustainable Long-Term Savings of the Women

Women’s participation in the Indian workforce has steadily increased over the years, while on the other side of the spectrum, India’s financial markets are also undergoing phenomenal transformative changes driven by the sustainability considerations. This rise in economic activity coupled with the increased women demographics in the workforce, has necessitated a crucial role in shaping the long-lasting, sustainable and enduring financial landscape consequently resulting in the need for financial independence and long-term savings of women, an increasingly significant one. This research study explores the multifaceted relationship between financial market regulations and women’s savings behaviour by examining the regulatory framework, financial products, and the socio-economic factors influencing women’s sustainable savings decisions and throws light on the challenges and opportunities that shape the financial security of women in India. This paper also highlights how financial regulations can contribute to the sustainable financial independence and socio-economic well-being of women and social progress. Further, this article enunciates three independent variables that act as a determinant for long-term savings of women with the mediating variable of financial market’s regulations. A conceptual mathematical model called ‘KTM model’ (Knowledge – Time - Money) is proposed to substantiate the factors affecting the long-term savings. By understanding these dynamics and implementing recommended policies, India can strive towards a more inclusive and economically equitable future supportable for all its citizens.