Emerging Trends in Female Financial Empowerment in India: Key Observations
The Bharat Loan Lending Report 2025 reveals that female borrowers contribute to 10.81% of total credit disbursements in the country, with a significant52% aged between 25-35 years. This upsurge in credit utilisation underscores an evolving drive among young Indian women toward financial independence. However, the relatively low percentage indicates more room for growth.
Traditionally invested in gold and real estate, Indian women have shown increased engagement in these sectors, reflected by a 14% rise in residential transactions in 2024 per Square Yards’ report. Despite this progress, the AMFI’s 2025 Factbook highlights the gender gap in equities investment with only 33% female participation. This gap is attributed to limited financial literacy and enduring traditional money perceptions.
Key Takeaways:
- Credit Trends: Young Indian women show increasing but limited participation in credit markets.
- Investment Preferences: Traditional investments like gold and real estate remain favoured.
- Equities Gap: A substantial disparity persists in investments in stocks and mutual funds.
This analysis suggests a need for improved financial literacy among women to bridge the equity investment gap. How can India enhance financial literacy for women to support their investment decisions?
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Comment below with your thoughts on how financial institutions can better support women’s investment education.
