Sukhendra Choudhary
Commerce
July 2025
The present review explores the trends and drivers of rural savings and investments in Rewa district of Madhya Pradesh with the aim of identifying the socio-economic dynamics of the grass-root level that drive financial behavior. The agrarian nature of the district economy and the seasonal nature of the income and reliance on informal financial systems influences the nature of the household savings and investment choices. Income variability, landholding size, education, gender roles, caste, and trust in institutions contribute towards financial decisions. Although formal financial services, SHGs and government schemes such as PMJDY and PM-KISAN have tried to enhance financial inclusion, they have not succeeded in reaching many people due to infrastructural and informational barriers. The paper highlights the role of financial literacy, credit access, institutional trust, as well as personalized policy interventions in enhancing the rural financial resilience. In general, it is necessary to increase informal support systems and formal mechanisms, which is the key to sustainable and inclusive economic growth in rural Rewa.
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© Airo Journals 2021
