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Mutual fund assets now comprise a far larger share of savings than a decade ago
India’s mutual fund AUM relative to bank deposits has nearly tripled in ten years as more investors opt for market-linked returns.
The ratio of mutual fund assets under management to bank deposits in India has nearly tripled over the past ten years, rising from about 12.6% in 2015 to over 33% in 2025. This shift reflects growing investor preference for market-linked returns amid low interest rates on bank deposits and higher disposable incomes. Analysts say young investors and wider financial literacy have accelerated flows into mutual funds.