Women’s Day Special: Women Invest 22% More in SIPs and 45% More in Lump Sums Than Men

The financial investment scene in India is witnessing a major transformation, driven by an unexpected force—women investors. A recent report highlights a significant shift in investment patterns, revealing that women are not just closing the financial gap but are outpacing men in mutual fund investments. This growing trend signals a change in financial independence and wealth creation among Indian women.

Women’s SIP Investments Outshine Men’s by 22%

The report, which analysed data from one lakh women investors between January and December 2024, shows that women have a higher appetite for systematic investment plans (SIPs). The findings indicate that the average SIP transaction value for women is 22% higher than that of men. Additionally, when it comes to lump sum investments, women are investing a staggering 45% more than their male counterparts. This trend challenges the long-standing perception that women take a conservative approach to investing.

A remarkable 90% of women investors start their journey with SIPs, emphasising a disciplined, long-term investment strategy. Their average SIP contribution stands at ₹1,300—significantly higher than male investors. Moreover, women are increasingly diversifying their portfolios, investing in various categories such as contra/value funds, flexi-cap, mid-cap, small-cap, and thematic funds, demonstrating their growing confidence in the financial markets.

Women Investors from B30 Cities Are Driving Growth

Another striking insight from the report is that 72% of women investors hail from B30 (Beyond Top 30) cities. This marks a fundamental shift in financial inclusion, as investing is no longer confined to metropolitan areas. The accessibility of digital financial platforms, along with improved financial literacy, has empowered women in smaller towns to take charge of their wealth-building journey.

This shift indicates that financial awareness is permeating deep into tier-2 and tier-3 cities, allowing more women to participate in capital markets. The increasing adoption of mutual funds in these regions is playing a crucial role in wealth creation beyond urban centres.

Young Women Taking the Lead in Wealth Creation

Younger women are at the forefront of this investment revolution. The data reveals that 74% of women investors are under the age of 35, with the largest segment (29%) falling in the 26-30 age bracket. This indicates that young Indian women are not only prioritising wealth accumulation from an early stage but are also making informed, long-term financial decisions.

The increasing participation of younger women in mutual funds suggests a cultural and financial shift where investing is becoming a norm rather than an exception. Their inclination towards structured and consistent investment strategies signifies a stronger financial future.

Women Now Hold 33% of Individual Mutual Fund AUM

This surge in women’s investments is reflected in broader industry data. According to the Association of Mutual Funds in India (AMFI), as of March 2024, women account for 33% of the total individual Assets Under Management (AUM) in mutual funds. Their collective investments have seen a remarkable rise, more than doubling in the last 5 years—from ₹4.59 lakh crore in March 2019 to ₹11.25 lakh crore in March 2024.

Much of this growth can be attributed to SIPs, which have seen an extraordinary 319.3% increase in AUM for women investors between March 2019 and March 2024, as per AMFI’s data. The increasing reliance on SIPs reflects a strategic shift towards long-term, disciplined investing rather than ad-hoc investment decisions.

Conclusion: A Paradigm Shift in India’s Investment Landscape

The rise of women investors in India is not just a statistic—it is a movement reshaping the financial landscape. With higher SIP investments, growing lump sum contributions, and increasing participation from smaller cities, Indian women are redefining financial independence. Their approach to investing reflects confidence, discipline, and a willingness to embrace diversified financial strategies.

As financial awareness continues to rise and digital accessibility expands, this trend is likely to gain even more momentum. Women are not just closing the investment gap; they are setting new benchmarks for financial growth in India.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

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