Financial literacy has become an essential skill in the modern economic environment. The growing use of digital banking, online investments, and credit facilities has increased the need for individuals to understand financial concepts and make informed financial decisions. This research paper examines the relationship between financial literacy and personal saving behaviour among individuals from different demographic backgrounds. The study focuses on how financial knowledge, financial attitudes, and financial planning influence saving habits. The research is based on primary data collected through a structured questionnaire from 100 respondents. The study identifies that individuals with better understanding of financial concepts such as inflation, interest rates, budgeting, and diversification tend to save more consistently. The findings also reveal that income level, social pressure, and cost of living affect saving behaviour, even among financially aware individuals. The paper concludes that financial literacy positively influences saving behaviour and long-term financial stability. It recommends the inclusion of financial education programs in schools, colleges, and workplaces to improve financial decision-making among individuals