International Journal of Scientific Research and Engineering Development

This study investigates the level of awareness and access to financial inclusion services among university students in the twin cities of Bhubaneswar and Cuttack, Odisha. The primary objective is to analyse students' understanding and utilization of financial products like savings accounts, insurance, mobile banking, and financial literacy programs. Primary data has been collected from 156 respondents with the help of a questionnaire. The respondents are university students of Rama Devi Women’s University and Ravenshaw University. The data was analysed by using percentage analysis and cross tabulation method to interpret levels of awareness, accessibility, and usage of financial services. The findings suggest that most of the students are aware of the concept of financial inclusion but the usage level is lower than the awareness level.

Arpita Das, Kajal Kumari,"Financial Inclusion Awareness: A Study on Selected Universities in Twin Cities of Odisha" International Journal of Scientific Research and Engineering Development, V9(3): Page(1435-1458) May-June 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.