Inrecenttimes,oneofthemostenduringchallengesthatstillaffectcollegestudentsisthehuge difficulty in controlling the way they spend, and worldwide, very minute research has been oneaboutthis.Thecurrentleveloftheproblemonthespending frontisagain,notabsolutely figuredandsortedout.Thus,thisstudyhasfocused ondeterminingthespendingbehaviourof 138 university students in Delhi & Mumbai using descriptive research design. A structured questionnaire was used for data collection. Sampling Method used was non-probability sampling method, under which convenience sampling method was used. respondents were found to be spending tightly when it came to shopping and travelling and academic purposesandlooselywhenitcametoentertainmentandlifestyle.Itcanbeconcludedthatgender,being outstation or being based in the city were the key determinants that made the difference on spending behaviour.