A recent study highlights that a majority of Indian women investors, particularly those with lower incomes, favor systematic investment plans (SIPs) in mutual funds over lump-sum investments. Conducted by The Wealth Company, the research indicates growing participation by women in formal investing, though they still represent about 26% of unique mutual fund investors. The findings underscore the need for enhanced support within the financial ecosystem to encourage women's involvement.
Indian women are increasingly engaging in earning, saving, and making financial decisions, yet their representation in formal investing remains limited. According to a study by The Wealth Company, reported by ET Wealth, women show openness to growth-oriented products like mutual funds but require more backing from the financial sector.
Data from Angel One as of March 2025 shows that out of 5.34 crore unique mutual fund investors, around 1.38 crore are women, making up approximately 25.7% to 26% of the total.
The study breaks down investment preferences by income levels:
- For women earning less than Rs 5 lakh annually, 64% prefer monthly SIPs, 27% opt for lump-sum investments, and 9% choose both.
- In the Rs 5 lakh to Rs 10 lakh bracket, 51% favor SIPs, 19% lump sums, and 30% both.
- For Rs 11 lakh to Rs 20 lakh, 44% select SIPs, 20% lump sums, and 36% both.
- Between Rs 21 lakh and Rs 40 lakh, 44% go for SIPs, 21% lump sums, and 35% both.
- In the Rs 41 lakh to Rs 60 lakh range, 54% prefer SIPs, 28% lump sums, and 18% both.
- Women with over Rs 60 lakh income show 63% favoring SIPs, 31% lump sums, and 6% both.
These patterns suggest a strong inclination toward disciplined, regular investing among women across income groups, with SIPs being the most popular choice overall.
