Women & Wealth: SIPs Empowering the New Generation of Investors

The Indian stock market is no longer a male-dominated playground. Women across the country are taking charge of their finances, proving that wealth creation knows no gender.

According to the Association of Mutual Funds in India (AMFI), women investors now hold 33% of total AUM by individual investors. Even more encouraging, the number of unique women investors reached 1.38 crore by March 2025, a record high.

Over the five years ending March 2024, the proportion of women’s AUM in equities jumped from 43.3% to 63.7%, showing that women are stepping confidently beyond traditional saving instruments and entering the world of market-linked investments, particularly through mutual funds and SIPs.

This isn’t just a statistic or data but also India’s silent financial revolution, powered by women choosing growth over fear.  Whether salaried professionals, entrepreneurs, homemakers or freelancers, women are showing increasing confidence in managing their money and building long-term wealth.

And it’s not about just investing but also about investing smartly. Women tend to be disciplined, research-driven and goal-oriented. Traits that align perfectly with SIP investment for beginners, making the journey smooth and stress-free.

Women’s Way to Build Wealth

Every financial journey starts with a purpose. Be it a dream home, a child’s education, a world tour or early retirement, true independence begins with goal-based investing.

Mutual funds offer a simple and effective way to achieve these dreams. Professionally managed, diversified and adaptable to every risk profile (from conservative to aggressive) they pair beautifully with SIPs to create a powerful wealth-building engine.

MINTIT, our mutual funds mobile app, make this journey even easier. It empowers women to start with small amounts, learn as they go and grow confidently. The platform also offers a comprehensive educational library, helping women understand mutual fund investing and personal finance in one place.

SIPs have become the preferred route for women investors. Between March 2019 and March 2024, SIP AUM from women investors grew by 319%.

Some interesting insights:

• Women’s average SIP transaction value is 22% higher than men’s.
• Their lump-sum investments are 45% larger.

This shows a higher commitment to long-term financial planning. And here’s another advantage, women live longer. With early investing, longevity creates a tremendous compounding advantage.

Breaking the Mental Barrier

Despite the rising numbers, many women still hesitate to manage their own money. They delegate decisions to spouses, relatives or friends.

True financial independence starts when you take control. Understanding the basics of mutual funds and SIPs is enough to get going. And with MINTIT, you’re never alone. It’s a top mutual fund app that offers goal-based investing, guided recommendations, automated SIP planning and personalised portfolio suggestions. This is perfect for women wanting to invest smartly and confidently.

Here’s how it works:

1. Profile Setup
   Share your age, income, and financial goals. MINTIT personalises a plan just for you. Example: A 30-year-old woman aiming to buy a home in 12 years or save ₹1 crore for retirement.
2. Milestone Planner
   Pick predefined goals — “Dream Home”, “Vacation”, “Emergency Fund”, “Dream Car” or even “My First ₹1 Crore.” Each milestone comes with a suggested SIP amount and timeline.
3. Smart Fund Suggestions
   Based on your profile and goals, MINTIT recommends the best-suited types of mutual funds across equity, debt and hybrid categories.
4. SIP Recommendations
   Whether you’re starting from scratch or investing a lump sum, MINTIT suggests the optimal route including safe SIP plans for steady growth.

With monthly SIP inflows crossing ₹28,265 crore in August 2025 and total SIP accounts reaching 8.99 crore, India’s mutual fund industry is booming. Women, once cautious savers, are now confident investors shaping the next decade of financial growth. MINTIT leads the charge by guiding, educating and empowering women to take control of their wealth journeys.

The Takeaway

Women have always been great at managing money, now it’s time to make it grow. SIPs in mutual funds offer the easiest, smartest and most reliable way to turn small, regular savings into lifelong financial security. It’s time to stop thinking and start SIPing. Your future self will thank you.