Indian Women's Investment in Equity Mutual Funds Soars to 32%
Synopsis
A remarkable shift in investment trends is observed among Indian women, with equity mutual fund allocations increasing significantly. This change highlights growing confidence and strategic financial planning as they move away from traditional savings methods.
Key Takeaways
Equity mutual fund allocations among women increased from 10% to 32% .
Fixed deposit investments decreased from 45% to 20% .
Alternative assets like PMS and AIFs rose from 3% to 7% .
75-90% of women prefer to hold assets during market corrections.
Investment strategies are shifting towards diversified portfolios focused on long-term goals.
New Delhi, March 8 (NationPress) The proportion of equity mutual fund investments among Indian women has surged from approximately 10 percent to 32 percent over the past five years, while the share of fixed deposits has plummeted from around 45 percent to 20 percent, according to a recent report.
The analysis conducted by wealth management firm Equirus Wealth indicates a rise in alternative investments such as Portfolio Management Services (PMS) and Alternative Investment Funds (AIFs) from roughly 3 percent to 7 percent.
Notably, between 75 and 90 percent of women investors now prefer to retain their assets through market fluctuations instead of withdrawing in haste. Additionally, about 55 percent of them selectively invest more during market downturns, showcasing a growing confidence in their investment strategies.
Interestingly, 35 to 50 percent of women investors either do not utilize AI tools or employ them solely for educational and monitoring purposes.
The report is based on insights gathered from approximately 55,000 women investors and over 100 relationship managers across various age groups.
Equirus Wealth noted a clear transition from traditional investments like fixed deposits, gold, and real estate toward diversified portfolios that are geared towards long-term financial objectives.
“Women investors in India are becoming increasingly knowledgeable, self-assured, and strategic in managing their financial futures,” stated Ankur Punj, MD and Business Head at Equirus Wealth.
Technology, including AI, is starting to influence the learning and research aspects of investing, yet disciplined methodologies and human judgment remain pivotal in decision-making, Punj further elaborated.
Investors are increasingly adopting a “bucket approach,” which involves structuring portfolios based on life goals such as safety, growth, liquidity, and legacy, rather than focusing on individual products.
The perspective on risk among women investors has evolved over the past five years, now encompassing factors like inflation, the inability to achieve financial objectives, portfolio volatility, recovery duration, and governance issues within family wealth arrangements, as highlighted in the report.
Furthermore, intergenerational wealth transfer has emerged as a significant concern, with 75 to 90 percent of participants actively engaging in discussions about legacy planning to ensure that future beneficiaries are equipped with appropriate behavioral guidelines.
Point of View
It's evident that the evolving investment habits among Indian women reflect a broader trend towards financial empowerment. The shift from traditional fixed deposits to equity mutual funds signifies a willingness to embrace risk for better returns, which is crucial for long-term financial security.
NationPress
2 May 2026
Frequently Asked Questions
What has caused the increase in equity mutual fund investments among women?
The increase is attributed to greater financial literacy, confidence in market investments, and a shift in focus from traditional savings methods.
What percentage of women are now investing in equity mutual funds?
Currently, about 32% of Indian women are allocating their investments to equity mutual funds.
How has the perception of risk changed among women investors?
Women investors have broadened their understanding of risk to include factors like inflation and portfolio volatility, rather than just the potential loss of principal.
What role does technology play in women's investment strategies?
While technology and AI are increasingly used for learning and research, many women investors rely on disciplined frameworks and personal judgment for decision-making.
What is the importance of legacy planning among women investors?
Legacy planning has become a priority for many women, with a significant percentage actively discussing strategies to ensure proper management of intergenerational wealth.
