New Delhi, June 23: A recent report reveals that the average digital investor in India has a portfolio size of approximately ₹1 million and adds around ₹300,000 in new investments each year. Despite this, about 80% of their investable digital assets remain concentrated in Systematic Investment Plans (SIPs), direct equities, and lump-sum mutual fund investments. This information was disclosed in a report released on Tuesday.
According to the consulting firm Redseer, SIPs account for 37% of total investments, while direct equity makes up 32%. This indicates that while investors’ wealth is growing, the pace of adopting new investment products is not keeping up.
The report suggests that the next phase of digital investment growth will depend more on the behavior of existing investors rather than attracting new ones. Investors are aware of products such as Exchange-Traded Funds (ETFs), global equities, margin trading facilities, and loans against securities, but their actual usage remains limited.
Three major investor segments impacting the market have been identified in the report. The first group is the “Guided Savers,” who view investing as a means of long-term savings. The second group, “Aspiring Investors,” is gradually expanding their investment scope. The third group, “Confident Builders,” diversifies their investments across various assets and capitalizes on market opportunities.
Mrigank Gutgutia, a partner at Redseer Strategy Consultants, stated that the biggest challenge for investment platforms today is helping investors understand and confidently invest in a broader range of options. He emphasized that platforms providing timely information on the right opportunities, simplifying investment decisions, and building trust will achieve greater assets under management (AUM) in the future.
The report also notes that the next chapter of India’s digital investment journey will be written by platforms that successfully convert investors’ passive participation into active financial engagement. It highlighted that a leading investment platform controls nearly half of the active usage, while several other platforms are also present in the market.
Approximately two-thirds of investors indicated they are unwilling to switch platforms even for zero brokerage fees. The report suggests that price or brokerage fees are no longer the biggest attractions for investors. Instead, they prioritize an easy-to-use interface, reliable transactions, comprehensive portfolio information in one place, and strong brand credibility. Platforms that excel in these areas are outperforming their competitors.
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