Abstract: This study investigates the impact of gender bias, communication effectiveness, and financial literacy on the investment decisions of working women in Udaipur. Using a quantitative research design, data were collected from 125 working women through a structured questionnaire and analyzed using correlation and regression analyses. The findings reveal that perceived gender bias in financial advisory services significantly reduces trust in financial advisors and diminishes women’s willingness to take financial risks. Effective communication between financial advisors and female clients emerged as a strong predictor of satisfaction with financial services and the frequency of investment decision-making. Additionally, the study highlights the crucial role of financial literacy in empowering women to make informed and confident investment decisions, with higher literacy levels being positively associated with more diversified investment portfolios and greater confidence in decision-making. These results underscore the need for financial institutions to address gender bias, enhance communication practices, and improve financial literacy to promote financial inclusion and empower women. The study also identifies several avenues for future research, including the exploration of additional variables, intersectional analysis, and the evaluation of policy interventions. Overall, this research provides valuable insights for financial institutions, advisors, and policymakers aiming to create a more equitable and supportive financial environment for women in Udaipur.

Keywords: Gender Bias, Financial Literacy, Communication Effectiveness, Investment Decisions, Working Women

| DOI: 10.17148/IARJSET.2025.12726