Financial decision-making is influenced by various factors, including income levels, risk perception, and investment awareness. Understanding how private sector employees allocate their savings and choose investment options is much wanted to determine how much government-based investment policies or schemes (National pension schemes) are on track and for assessing financial stability and planning. This study examines the savings behavior, investment patterns, and financial decision-making factors among private sector employees in Coimbatore City, and with increasing financial complexities and varied investment options, understanding how employees save, invest, and perceive financial risks is essential. This study is conducted based on primary data collected from 70 respondents and analyzed using Percentage analysis, ANOVA, and t-test to identify key influencing factors. The findings indicate that age, marital status, education, and job level significantly impact financial decisions. While most employees (59.2%) save only 10–20% of their income, married individuals tend to have better financial planning strategies. Gender differences exist in investment goals, but financial challenges remain similar across both males and females. The study finds out the intensity of low awareness of government-backed financial schemes, limiting employees’ ability to make informed investment decisions. The study suggests the need for financial literacy programs, awareness initiatives on government schemes, and customized investment plans to help private sector employees achieve financial stability and long-term security. Encouraging early financial planning and risk-balanced investment strategies can enhance economic well-being and financial independence.