Over 60% Indian women unsure if they've saved enough for personal needs, goals, but 31% still invest in low-return FDs, insurance policies- Finsafe Survey

How women define financial independence

What financial independence truly entails

• Planning for long-term goals like retirement or a child’s education.
• Preparing for emergencies or job loss.
• Making informed investment decisions, not just saving reactively.

Confidence about core money tasks

Even among women who are earning or saving, there’s a deep undercurrent of financial insecurity — a feeling of not being ‘ready enough’.

Source: The Women & Finances Survey 2025 reached out to over 800 women across the country to understand how they perceive financial independence, manage money, invest, and plan for their future. #Figures don’t add up to 100% due to multiple responses

Major financial concerns

46.1%

Unsure of having enough for emergencies.
20.4%
Finding it difficult to save.
9.3%
No worries
62.7%
Unsure of having enough for personal needs and goals.

Do you need help?

Women’s top investment choices

Traditional products like fixed deposits & insurance policies
31.9%
Shares
10.99%
Mutual funds
38.9%
Gold
18.2%