The study aims to gain knowledge about the marital status and age factors influencing the investment decision of women towards financial instruments with special reference to bank in South Mumbai Region. Through the existing literature can be known that there are certain age and marital differences occurs in the decision of selecting the investment sources. Younger and unmarried are usually risk takers. Older and married are avoiding taking risk. So the descriptive study is carried out to identify about these factors which are influencing the investment decision. Convenient sampling techniques are used to identify the respondents and it is limited to South Mumbai Region. The study will be helpful to the government or non-governmental organizations to launch various saving schemes based on the age and marital status to the women to ensure their saving habits so as to promote economic development of the country.

KEYWORDS: Marital Status and Age Factors, Financial Instruments, Women Investment Behaviour, Saving Habits, Economical Development and Decision Making.