This research explores the influence of digital financial literacy (DFL) on rural women's ability to access and use digital financial services (DFS) in Ankleshwar Taluka, Gujarat. Knowing how to use digital platforms properly is crucial as they become the foundation of financial systems, particularly in disadvantaged rural areas.  DFL includes awareness, operational expertise, cybersecurity, and self-assurance when utilizing digital tools like payment applications and mobile banking. A structured survey involving 184 women across 11 rural villages with age Gen Y and Gen Z found that although 82% of them were aware of digital tools, their practical usage skills (55%), security knowledge (49%), and confidence (29%) were significantly lower.  Only a tiny percentage of respondents had high levels of competence, according to the study, which used a descriptive and exploratory quantitative methodology. The majority of respondents had moderate digital financial literacy, and only a small proportion exhibited high levels of competence. There was a statistically significant positive association between DFL and DFS access, suggesting that increased financial inclusion is a direct result of improved literacy.  The main obstacles were found to be issues including transaction failures, technological mistakes, and a lack of cybersecurity expertise.  Despite this, more than half of the respondents utilized DFS every day, indicating an increasing trend of adoption motivated by speed and convenience. However, autonomous usage is still constrained by cultural conventions, a lack of education, and fear of fraud. The results imply that targeted interventions to improve DFL, especially in increasing digital safety and confidence, can significantly improve women's engagement in the digital economy and close the digital gap between the genders.  The report promotes regional training and education initiatives to empower rural women to securely and independently perform digital transactions.