New Delhi, March 8: Indian women’s allocation in equity mutual funds has increased significantly over the past five years, rising from approximately 10% to 32% of their total portfolios. In contrast, the share of fixed deposits has decreased from about 45% to 20%, according to a report released on Sunday.
The report by wealth management firm Equirus Wealth indicates that the share of alternative assets, such as PMS and AIF, has grown from 3% to 7%.
Notably, around 75-90% of women now prefer to hold onto their assets during market downturns rather than selling them out of panic. Furthermore, about 55% of women selectively invest capital during market declines, reflecting their growing confidence.
However, nearly 35-50% of female investors either do not use AI tools or only utilize them for learning and monitoring purposes.
This report is based on discussions with approximately 55,000 female investors and over 100 relationship managers across various age groups.
Equirus Wealth stated that investors are shifting towards diversified and allocation-driven portfolios based on long-term financial goals, rather than investing solely in fixed deposits, gold, and real estate.
Ankur Poonj, MD and Business Head at Equirus Wealth, remarked, “Indian women investors are becoming more aware, confident, and strategic in shaping their financial futures.”
Poonj added that while AI is starting to play a role in learning and research processes, disciplined frameworks and human judgment will continue to guide investment decisions.
Investors are increasingly adopting “bucket thinking,” creating portfolios based on life goals such as security, growth, liquidity, and legacy, rather than individual products.
The report also highlights that women investors have redefined risk, now considering not just “capital loss” but also factors like inflation-induced declines, failure to meet financial goals, withdrawal of funds from portfolios, recovery times, and governance risks within family asset structures.
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My name is Ganpat Singh Choughan. I am an experienced content writer with 7 years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.
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