The capacity to make important judgments on the effective and efficient use of money is known as financial literacy. The study examined the relationships of financial knowledge, financial attitude, and financial behaviour towards the degree of financial literacy among home loan borrowers in Punjab, India. In order to conduct the research, a sample size of 480 home loan borrowers from selected banks and non-banking financial companies has been taken by using stratified sampling with the help of a structured questionnaire on a five-point Likert scale. The structural equation modelling approach's analysis of moments structures (AMOS) was used to determine the goodness of fit (SEM) and the relationship among three independent variables is looked at using route analysis. The results showed that financial behaviour and financial attitude are more strongly associated with the financial literacy of home loan borrowers than financial knowledge.

Keywords: Financial Attitude, Financial Behaviour, Financial Knowledge, Financial Literacy, NBFC.