The retail investing landscape in India is heading into expansion with mutual fund assets projected to cross Rs 300 lakh crore and direct equity holdings expected to touch Rs 250 lakh crore by 2035, according to the How India Invests 2025 report released by Bain & Company in partnership with Groww.

The report states that household wealth reached Rs 1,300–1,400 lakh crore in FY25, growing nearly 13% over five years.

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Mutual funds and direct equities have emerged as the fastest-growing asset classes, outpacing bank deposits as financial literacy rises and digital-first platforms expand access.

Despite this momentum, India’s allocation to mutual funds and equities remains low at 15–20% of household investable assets, compared with 50–60% in the US and Canada.

Individual mutu

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