Indian women are rewriting the rules of personal finance. A new Equirus Wealth report shows equity mutual fund allocations jumping from 10% to 32% in five years, while fixed deposits dropped from 45% to 20%.
PMS and AIFs doubled in share from 3% to 7%, indicating appetite for sophisticated investments. Crucially, 75-90% of women resist selling during downturns, and 55% actively invest amid falls—evidence of maturing investor psychology.
Skeptical of AI hype, 35-50% avoid it or use it sparingly for research. Insights from 55,000 female investors and 100 relationship managers reveal a pivot to dynamic, multi-asset portfolios aligned with life milestones, ditching stagnant assets like FDs and realty.
Equirus Wealth’s Ankur Punj observes, ‘These women are strategically empowered, confidently navigating their financial paths.’ AI is a tool, not a replacement, for disciplined human-led choices.
The ‘bucket strategy’ organizes investments by purpose: protection, expansion, access, and legacy. Risk now includes broader threats like inflation drag, unmet objectives, redemption delays, and intra-family disputes.
This evolution among female investors promises a more resilient, growth-focused economy, with women at the forefront of India’s wealth story.