What is the story about?
On International Youth Day, Share.Market, PhonePe’s wealth management platform, highlighted growing mutual fund participation among India’s younger generation. An analysis of over six lakh investors from August 2024 to July
2025 reveals that about 48% of mutual fund investors on the platform are aged between 18 and 30 years.
The data indicates a preference among young investors for equity mutual funds, with nearly 95% of Gen Z investors starting their mutual fund journey in this category. This reflects a strong appetite for higher risk-reward investment options compared to short-term savings alternatives.
Moreover, 92% of these young investors follow disciplined investment habits by investing monthly through systematic investment
plans (SIPs).
Regional participation among youth investors is widespread, with Maharashtra (16%), Uttar Pradesh (11%), and Karnataka (8%) leading the count.
Notably, approximately 81% of these investors come from beyond the top 30 cities (B30), including places like Jodhpur, Raipur, Vishakhapatnam, and Mysore, signaling increased financial inclusion.
Key findings include:
Nilesh D Naik, Head of Investment Products at Share.Market (PhonePe Wealth), commented, “India’s youth are taking charge of their financial
well-being early, showing maturity and financial literacy through consistent SIP investments and diversified fund choices. This trend bodes well for their long-term investment journeys.”
The data indicates a preference among young investors for equity mutual funds, with nearly 95% of Gen Z investors starting their mutual fund journey in this category. This reflects a strong appetite for higher risk-reward investment options compared to short-term savings alternatives.
Moreover, 92% of these young investors follow disciplined investment habits by investing monthly through systematic investment
Regional participation among youth investors is widespread, with Maharashtra (16%), Uttar Pradesh (11%), and Karnataka (8%) leading the count.
Notably, approximately 81% of these investors come from beyond the top 30 cities (B30), including places like Jodhpur, Raipur, Vishakhapatnam, and Mysore, signaling increased financial inclusion.
Key findings include:
- The average monthly SIP transaction value among under-30 investors is around ₹1,000, which is 18% lower than that of investors above 30 years.
- About 21% of young investors make at least one lumpsum investment annually, with an average value of nearly ₹8,000, which is 30% lower than older investors.
- Diversified equity funds such as Value/Contra and Flexicap dominate preferences, with 70% of youth investors holding at least one fund in these categories. Midcap and small-cap funds also rank high in popularity.
Nilesh D Naik, Head of Investment Products at Share.Market (PhonePe Wealth), commented, “India’s youth are taking charge of their financial
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