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Government Schemes Empowering Women in India
As we celebrate International Women’s Day in March, one of the hottest topics in India has always been financial freedom for women. Looking back to the 1900s, we can see how India was hesitant to let women work. Fast forward to 2025, women has not only become a driving force in building India’s economy but have also emerged as pioneers in government, finance, architecture, and other fields, shaping the core structure of the country. See how WealthRigtht celebrated women’s day 2025
Coming to the data of 2025, the financial landscape is witnessing a remarkable shift as more women embrace investing
A PhonePe Wealth report shows that women invest more than men—22% higher SIPs & 45% more in lump sums. 72% of women investors hail from smaller cities (B30), highlighting financial growth beyond metro areas.
They’re ditching the ‘safe’ tag, with nearly 50% choosing bold strategies like contra, value, and thematic funds. With 74% under 35 and 90% starting with SIPs, women aren’t just investing—they’re leading the way
(Source: India Today, March 8, 2025)
Women Market for Mutual Fund Investment and Government Schemes
Why is This a Potential Market?
The rise of women investors in mutual funds signals a significant shift in financial decision-making and wealth accumulation. The latest AMFI-Crisil Factbook highlights that women now account for 33% of total individual investors’ Assets Under Management (AUM), with their investments more than doubling from Rs 4.59 lakh crore in March 2019 to Rs 11.25 lakh crore in March 2024
How is the Government Supporting Women Investors?
The Indian government has been instrumental in fostering women’s financial inclusion by introducing various schemes and policies aimed at promoting investment habits. Several initiatives have encouraged women to participate in capital markets and mutual funds:
- Mahila Samman Savings Certificate (MSSC): A government-backed scheme designed exclusively for women, offering attractive interest rates and promoting savings culture among women.
- Sukanya Samriddhi Yojana (SSY): A targeted savings scheme for the girl child, providing high returns with tax benefits to ensure financial security for the next generation of women investors.
- Women-Centric Tax Benefits: The government has provided tax exemptions under various sections of the Income Tax Act, encouraging women to invest in mutual funds and other financial instruments.
- Pradhan Mantri Jan Dhan Yojana (PMJDY): A national financial inclusion initiative that has led to a surge in bank accounts owned by women, paving the way for investment in mutual funds through systematic investment plans (SIPs).
- Digital and Financial Literacy Campaigns: The government has actively promoted financial education programs, especially targeting women, to help them make informed investment decisions.
- Enhanced Maternity Benefits & Women Entrepreneurship Schemes: Initiatives like the Stand-Up India Scheme and Mudra Yojana have enabled women entrepreneurs to access capital, thereby increasing their disposable income for investments.
These government-backed initiatives, combined with the increasing awareness and accessibility of financial markets, have contributed significantly to the rise of women investors in mutual funds. As women continue to take an active role in investment planning, the mutual fund industry is poised for further expansion, making it a lucrative and sustainable market for financial growth.
How to Start Investing: YouTube Video Recommendations
If you’re looking to start your investment journey, here are some informative YouTube videos to guide you:
- How to Start a SIP: A Beginner’s Guide
- Women and Wealth Creation: Investment Tips
- Breaking Financial Barriers: Women in Investing
WealthRight: Empowering Women Through Investment
At WealthRight, we are committed to empowering women with financial knowledge and investment tools. Our platform offers personalized investment strategies, SIP guidance, and mentorship programs to help women achieve financial independence.
Women Empowered Mutual Fund Distributor Program
WealthRight also leverages financial support by promoting our Women Empowered Mutual Fund Distributor Program, enabling women to become financial advisors and wealth creators within their communities.
Join Us in This Movement! Visit WealthRight to explore investment opportunities and take charge of your financial future.
See you soon in our next blog!
Back Links and references:
https://www.amfiindia.com/Themes/Theme1/downloads/AMFI_womensDay_Mar2024.pdf
