Pandey, Kshitija, Anju Vaswani, and Anju Motwani. “How Financial Literacy Shapes Financial Planning Practices : A PLS-SEM Study of Higher Education Teachers”. Indian Journal of Finance 20, no. 7 (July 15, 2026): 64–84. Accessed August 14, 2026. https://www.indianjournaloffinance.co.in/index.php/IJF/article/view/176067.