Page 29 - Banking Finance August 2025

ARTICLE

Women and Mutual

Funds: Trends in

Financial

Empowerment

Dr Rakesh Agarwal

Historically, investment decisions in Indian households were predominantly handled by men.
However, a noticeable shift is underway. According to industry reports, there has been a significant
rise in the number of women investors in mutual funds over the past five years.

I n recent years, India has witnessed a significant 1. Flexibility:
transformation in the financial landscape for women.
Mutual funds offer a wide range of options across
With increased awareness, better access to financial
products, and a growing desire for economic independence, equity, debt, hybrid, and liquid categories, enabling
women to invest based on their goals and risk
women are actively participating in wealth-building activities. appetite.
One of the most impactful tools facilitating this shift is the
2. Affordability:
mutual fund. As a flexible and accessible investment option, With SIPs starting as low as INR 500, mutual funds
mutual funds are playing a crucial role in fostering financial are accessible to women across income levels,
empowerment among women. This article explores how including homemakers, freelancers, and first-time
mutual funds are contributing to women's financial earners.
independence and the emerging trends shaping this journey.
3. Transparency and Regulation:
Being regulated by SEBI, mutual funds offer a
The Rise of Women Investors in India
transparent and investor-friendly structure, building
Historically, investment decisions in Indian households were trust among women investors.
predominantly handled by men. However, a noticeable shift
is underway. According to industry reports, there has been 4. Professional Management:
a significant rise in the number of women investors in mutual Women who may not have the time or expertise
to actively manage investments appreciate the
funds over the past five years. This trend is fueled by factors
professional oversight that mutual funds provide.
such as higher education levels, increased workforce
participation, digital access, and the desire to contribute to 5. Goal-Based Investing:
long-term financial planning. Mutual funds help women plan for specific goals like
child education, home ownership, retirement, or
Why Mutual Funds Appeal to Women entrepreneurship.

Investors
Trends in Women’s Financial Empower-
Several attributes of mutual funds resonate with women
investors: ment Through Mutual Funds

26 | 2025 | AUGUST | BANKING FINANCE