A dramatic change is underway in how Indian women manage their money. Equity mutual funds now dominate their portfolios at 32%, a sharp rise from 10% five years ago, according to Equirus Wealth’s latest analysis. Fixed deposits, once a staple at 45%, have shrunk to 20%.
Alternative investments like PMS and AIFs have gained ground, climbing from 3% to 7%. This reflects a bolder approach to wealth building.
During market slumps, 75-90% of women investors stay calm, avoiding rash sales. Half of them—55%—even seize opportunities to buy low, demonstrating savvy market timing.
AI’s influence is limited; 35-50% either skip it or use it solely for education and oversight. The report, based on 55,000 women and 100+ relationship managers, points to a preference for long-term, diversified strategies over conservative options like gold or property.
‘Women investors in India are increasingly proactive and self-assured,’ says Ankur Punj, Equirus Wealth’s MD-Business Head. AI supports learning, but structured discipline and intuition drive decisions.
‘Bucket thinking’ is emerging as the new norm—portfolios tailored to security, growth, liquidity, and inheritance needs. Women have redefined risk beyond capital loss to include inflation beats, goal misses, liquidity lags, and family governance challenges.
As women’s participation in financial markets grows, their strategic mindset could redefine India’s investment landscape, fostering sustainable growth for generations.