SEBI Investor Survey 2025 – Executive Summary
SEBI, in collaboration with AMFI, NSE, BSE, NSDL, and CDSL, released the Investor Survey 2025, one of India’s largest household investment studies.
The survey, conducted by Kantar, covered 90,000+ households across 400 cities and 1,000 villages, providing deep insights into the evolving behaviour, awareness, and participation of Indian investors.
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1. Awareness & Market Participation
* 63% of Indian households are aware of securities market products, but only 9.5% actively invest.
* Participation is higher in urban India (15%) compared to rural (6%).
* Delhi (20.7%), Gujarat (15.4%), and Maharashtra (14.2%) show the highest penetration of investors.
* Awareness is improving, but actual participation remains modest — indicating a large untapped retail investor base.
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2. Investor Behaviour & Risk Appetite
* Around 80% of investors still prefer safety over high returns, highlighting a conservative investment mindset.
* Even among Gen-Z investors, risk appetite remains moderate — driven more by digital awareness than deep financial understanding.
* Majority prefer mutual funds, insurance, and bank FDs over direct equities.
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3. Key Barriers to Wider Participation
* Lack of confidence, limited financial literacy, and perceived complexity of market products.
* Fear of losses and lack of trustworthy guidance discourage first-time investors.
* “Intenders” (those planning to invest soon) cite the need for:
o Simpler digital onboarding
o Educational content in regional languages
o Success stories from relatable investors
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4. Financial Literacy & Communication
* Social media and mobile platforms have become critical tools for investor education.
* Gen-Z prefers short-form video formats (reels, YouTube shorts), while older demographics prefer articles, webinars, and workshops.
* There’s strong demand for regional and vernacular content to enhance trust and accessibility.
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5. Grievance Redressal & Trust in Regulators
* Awareness of SEBI’s grievance redressal mechanisms (SCORES, ODR portal) remains low.
* However, user satisfaction is ~90% among those who used SEBI’s platforms — indicating operational efficiency but low visibility.
* Strengthening communication about SEBI’s role and redressal systems could enhance investor confidence.
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6. Growth Potential & Road Ahead
* About 22% of aware non-investors plan to start investing within the next year — representing a strong pipeline of future market entrants.
* The next wave of growth will likely come from:
o Tier-2 and Tier-3 cities
o Younger first-time investors
o Simplified digital experiences
o Localized education and trust-building initiatives
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Conclusion
The SEBI Investor Survey 2025 highlights that India’s investment landscape is at an inflection point — awareness is rising rapidly, but participation is lagging due to trust and knowledge gaps.
With focused financial literacy programs, regional engagement, and simplified digital channels, SEBI aims to drive responsible and inclusive market participation across urban and rural India.
By: via AlliesFinServe #StockMarket #Bharat Telegram.me/AlliesFin
