Abstract: The COVID-19 health crisis has had a significant impact on all walks of life and caused severe damage by pushing poverty and increasing inequalities. This unpredictable and unprecedented black swan event had pushed economies to struggle and strive and had a long-lasting impact on the spending, savings and investing behavior of individuals. This study focuses to understand how the Covid-19 pandemic has influenced the behavior of low to medium income earning habitants (up to INR 1,50,000 per household) and earning population of aged up to 55 years in urban city of Gurugram Haryana (India) towards saving, investments and spending patterns.