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Indians Moving Funds from FDs to Stocks & Mutual Funds as Investment Trends Shift
News
18 June 2025
1 min read
347
Indian households are increasingly moving away from traditional bank fixed deposits (FDs) in favour of stocks and mutual funds, according to recent RBI and industry data. The share of FDs in household financial assets has fallen from 50.5% in FY20 to 45.8% in FY25, while mutual fund folios have surged past 23 crore, up from 10 crore in 2021.
This shift is attributed to lower FD returns following RBI’s 100 bps repo rate cut and rising awareness of market-linked investment options. The mutual fund industry’s AUM has tripled to ₹69.5 lakh crore during the same period.
Experts note that improved digital access, changing risk appetite, and long-term return expectations are driving this transformation in India’s investment landscape.
Reference: IndiaTimes
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