A survey finds 62% of Indian women plan to invest in cryptocurrencies within the next year, signalling rising participation in digital assets as women expand their role in India’s evolving investment landscape
India’s women investors are increasingly exploring digital assets as part of their investment portfolios, with a new survey showing a strong pipeline of potential entrants into the cryptocurrency market.
A nationwide survey by CoinSwitch found that 62 per cent of women respondents are very likely to invest in cryptocurrencies in the next six to 12 months, while another 23 per cent said they are somewhat likely to do so, signalling growing confidence in the emerging asset class.
Only 3 per cent said they were unlikely to invest, reflecting a rising curiosity about digital assets among women investors.
The findings highlight how Indian women are gradually integrating cryptocurrencies into broader investment strategies, though often with a cautious and diversified approach.
Millennials driving adoption
The survey indicates that millennial and mid-career women are leading the trend.
Women aged 25–34 accounted for 43 per cent of respondents, while 28 per cent were in the 35–44 age group, meaning more than 70 per cent of participants fell between 25 and 44 years old.
According to the survey, participation is also expanding beyond traditional corporate professionals. While private-sector employees made up 34 per cent of respondents, homemakers accounted for 28 per cent, making them the second-largest group participating in crypto investing discussions.
The survey also suggests that many women are becoming increasingly confident in making their own financial decisions. Around 57 per cent said they make crypto investment decisions independently, compared with 18 per cent who rely on friends or family and 8 per cent who depend on professional advisors.
A cautious approach to crypto
Despite the growing interest, most women investors appear to be approaching the asset class conservatively.
Nearly 60 per cent allocate less than 5 per cent of their monthly income to cryptocurrencies, suggesting that digital assets are largely viewed as a diversification tool rather than a core investment holding.
Bitcoin remains the most popular entry point, with 56 per cent of respondents saying they feel comfortable investing in it, compared with 27 per cent who prefer altcoins.
“Women in India are showing a growing interest in crypto, but what stands out is the thoughtful way many are approaching it,” said Balaji Srihari, Vice President – Business at CoinSwitch, adding that many investors are seeking reliable information and education before entering the market.
Part of a broader financial shift
The rise in interest in digital assets comes as Indian women are steadily expanding their presence across the country’s investment ecosystem.
For decades, women were largely associated with traditional savings instruments such as bank deposits and gold. However, analysts say a structural shift is underway, with women increasingly participating in mutual funds, equities, retirement products and entrepreneurial ventures.
Industry estimates suggest women now account for about one in four investors in India’s mutual fund ecosystem, a share that continues to grow as financial awareness improves and digital investment platforms become more accessible.
Data from Protean CRA also show that women subscribers in retirement savings schemes have grown 61 per cent over the past five years, outpacing the 41 per cent growth among male subscribers during the same period.
At the same time, investment behaviour among women is evolving. Studies show that allocations to fixed deposits have fallen sharply, while equity mutual fund investments have risen significantly, reflecting a shift toward long-term wealth creation.
Untapped potential
Despite the rising participation, experts say a significant gap remains between financial access and wealth ownership among women in India.
Although over 89 per cent of women now have bank accounts, only around 8.6 per cent invest in mutual funds or equities, compared with 22.3 per cent of men, according to industry studies.
Analysts believe greater participation by women in financial markets could unlock substantial economic value. A joint study by Lxme and EY India estimates that increased investment participation by women could generate Rs 40 lakh crore in additional GDP potential.
As digital platforms, financial education initiatives and policy support expand, experts say women are likely to play an increasingly influential role in shaping India’s investment landscape—spanning traditional assets as well as emerging categories such as cryptocurrencies.
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