Women investors are rapidly reshaping India’s mutual fund landscape, with total assets under management (AUM) held by women across CAMS-serviced mutual funds reaching Rs 11.3 trillion in FY26, according to Computer Age Management Services Limited’s latest report, Going Beyond the Box 2026. The milestone reflects a structural shift in India’s investment ecosystem as women increasingly adopt long-term, disciplined wealth-building strategies.
Key Highlights
- Women investors contributed Rs 3 trillion inflows, driving stronger mutual fund participation and long-term wealth creation.
- CAMS report shows rising SIP adoption and growing financial inclusion across women investors nationwide.
According to the report, women provided Rs 3 trillion in gross inflows in FY26, or 35 percent of overall mutual fund inflows served by CAMS, highlighting their increasing significance in the fast-expanding Indian financial markets. The findings indicate that there is a gradual transition from a passive investor to an active investor with women more and more investing in diversified portfolio with long-term financial targets.
Mutual funds have seen excellent onboarding rates across all demographics and regions, with the number of female investors rising to 13.2 million, of which 2.2 million were new investors in FY26. Equity-oriented funds were the most popular asset class, and hybrid and solution-oriented schemes are gaining momentum, reflecting the growing maturity of portfolio allocation and risk diversification strategies, said CAMS.
Younger Women lead India's Mutual Fund Growth
One of the major points of note from the report is the prominent engagement of younger investors. The vast majority of women investors (around 75%) are under 50, and the fastest growth has been among investors under the age of 35.
This is indicative of the evolving financial habits of the young working-age population in India, where growing financial awareness, digital-first access to financial services and increased financial independence are leading to earlier involvement in the process of wealth creation.
Male investors now make up 29 percent of the total active systematic investment plans (SIPs), further reflecting the trend of investing in SIPs, which offer a disciplined, regular method of investing, as opposed to short-term speculative investments. The trend is especially notable in the Indian mutual fund market, where the participation of SIP investors is playing a crucial role in ensuring long-term stability and building retail wealth.
Also Read: Equity Mutual Fund AUM Hits Record Rs 39.1 Trillion: MOFSL Report
Market Reach Beyond Metro Cities
The report also identifies increased market share in the smaller urban centres. Beyond Top 30 (B30) city investors now make up 45 percent of all female mutual fund investors, marking increased financial inclusion and better penetration into emerging regional markets.
CAMS Managing Director Anuj Kumar said women across metros and smaller cities are transforming India’s investment culture.“Women across metros and emerging regions in India are reshaping the investment landscape, driven by rising financial independence and growing awareness of wealth-building products. This reflects a clear shift in women’s long-term wealth creation behaviour and investment confidence,” Kumar said.
The report also noted increasing digital adoption among women investors, with greater comfort using online investment platforms and assisted digital channels. Multi-asset investing approaches are also gaining traction as women seek balanced portfolios designed for long-term financial security.
The findings carry significant implications for mutual fund houses, distributors, and policymakers focused on improving financial inclusion. As women continue to emerge as a powerful force in India’s capital markets, their growing participation is expected to play a defining role in shaping the future trajectory of India’s mutual fund industry and long-term retail wealth creation.
