Young Indians are increasingly embracing stock market investments, with 81% of surveyed participants engaged and 45% under 35 prioritizing stocks as their primary choice. The Investor Behaviour Index (IBI 2025) highlights digital platforms’ transformative role, with 68% relying on them for investing and learning. Despite enthusiasm, financial knowledge gaps persist, especially among women, who form only 10.1% of investors. The report emphasizes the need for accessible financial education and tailored initiatives to bridge gender and experience gaps, fostering inclusive and informed investment growth.
A new wave of investment enthusiasm is sweeping across young Indians, driven by a growing interest in the stock market and a desire for robust financial education. The Investor Behaviour Index (IBI 2025), released by StockGro in collaboration with 1Lattice, sheds light on these evolving trends, highlighting the role of digital platforms in transforming the investment landscape.
The nationwide survey, which included 50,000 respondents, reveals that an impressive 81% of participants have ventured into the stock market, reflecting widespread engagement. Notably, 45% of young Indians under the age of 35 now prioritize stocks as their primary investment choice, signaling a clear move away from traditional savings methods. This shift is fueled by heightened financial awareness, improved accessibility to investment tools, and a growing focus on long-term wealth creation.
However, challenges remain. The survey found that 42% of non-investors refrain from participating due to a lack of financial knowledge. Additionally, 44% of aspiring investors expressed a need for step-by-step guidance, while 38% preferred concise online video courses, underscoring the importance of structured and accessible financial education.
Digital platforms have emerged as a game-changer in democratizing investments. According to the report, 68% of respondents now rely on digital platforms for both investing and learning. Features like AI-driven insights, real-time data, and virtual trading simulations have lowered barriers to entry, enabling beginners to explore the stock market with confidence. Nearly 49.6% of first-time investors prefer practicing with virtual money before committing to real investments, reflecting a cautious yet informed approach to building wealth.
Despite the overall optimism, the report draws attention to a significant gender gap in investment participation. Women accounted for only 10.1% of identified investors; however, there is potential for growth, with 34% of women respondents planning to increase their equity market exposure in the coming year. To bridge this gap, targeted financial literacy initiatives tailored for women—such as one-on-one mentoring, group workshops, and personalized investment guidance—have gained prominence.
Market volatility continues to be a concern, with 51% of respondents expressing apprehension about potential crashes. Additionally, 36% of active investors have less than a year of experience, emphasizing the need for structured support for newcomers. Encouragingly, 41% of non-investors stated they would begin investing if offered free initial guidance, reinforcing the importance of accessible education in fostering confidence.
Commenting on the findings, Ajay Lakhotia, Founder & CEO of StockGro, remarked, “The Investor Behaviour Index 2025 highlights a remarkable transformation in India’s retail investment landscape. With young investors leading the shift towards equities and education-first digital platforms, the need for financial literacy has never been more urgent.”
Amar Choudhary, CEO of 1Lattice, echoed this sentiment: “The Indian stock market has seen a surge in participation, with 40% of investors under 30 years old and 1 in 4 new investors being a woman. Equity investments are increasingly being recognized as a means of wealth creation and passive income. This report provides invaluable insights into the evolving investor mindset and underscores the need for continuous financial education to sustain market growth.”
The survey also highlighted the diversity of respondents, with 60% hailing from metropolitan cities like Bengaluru, Mumbai, and Delhi, while 40% represented tier-2 and tier-3 cities. The increasing use of digital investment tools in smaller cities reflects expanding financial inclusion beyond urban centers. Notably, 78.5% of respondents expressed a keen interest in enhancing their understanding of the stock market, reinforcing the demand for ongoing financial education.
The findings from the IBI 2025 paint a picture of a dynamic and inclusive investment landscape, characterized by rising stock market participation, the growing prominence of digital learning tools, and increasing accessibility across geographic and demographic boundaries.
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