The street vendors are significant contributors to the economy. They are often denied various opportunities as they are vulnerable sections of society. It becomes important for them to be well financial literates which aid better financial decision making. This study examines the alleviative impact of gender and the level of monthly financial gain that influences the money decision-making among street vendors. A total of 385 street vendors based in Bangalore, Karnataka from whom the data were collected for the study through a structured questionnaire that measured financial skills, media habits, psychological factors, and normative financial influence to gauge money skill and financial decision making. Based on PLS-SEM multi-group analysis (PLS-MGA) by permutation approach, gender demonstrated significant moderation financial skills, media habits, psychological factors, and financial decision making. Meanwhile, the level of monthly income had no moderating effect on financial decision-making in each state. These results aid helpful information to the native authorities (BBMP), who works for the upliftment of the street vendors’ financial standing by understanding the rationale for the low level of financial literacy and to develop intervention consequently