Statistics
Indian Investor Statistics 2026
83 statistics on how Indians save and invest: SIPs, mutual funds, demat accounts, F&O trading, insurance and retirement schemes. Every figure is dated and links to the organisation that published it, so you can check it in one click.
Last updated: 30 Sep 2026
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Refreshed monthly after AMFI data
Key numbers
Monthly SIP contributions into Indian mutual funds reached a record ₹32,297 crore in August 2026.
The number of contributing SIP accounts crossed 10 crore for the first time, reaching 10.02 crore in August 2026.
Assets under management of India's mutual fund industry stood at ₹87.08 lakh crore (₹87,07,888 crore) on 31 August 2026.
NSE had 13.4 crore unique registered investors (unique PANs) as of July 2026, more than four times the number in March 2020.
87.7% of individual traders in India's equity derivatives (F&O) segment made net losses in FY 2025-26, down from 90.9% in FY 2024-25.
India's insurance penetration (premium as a percentage of GDP) was 3.7% in FY 2024-25, unchanged from FY 2023-24.
The National Pension System (NPS) had 2.33 crore subscribers as on 27 September 2026.
SIP statistics
Systematic Investment Plans: monthly inflows, accounts and assets, from AMFI’s monthly industry data.
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Monthly SIP contributions into Indian mutual funds reached a record ₹32,297 crore in August 2026.
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August 2026's ₹32,297 crore SIP inflow surpassed the previous monthly high of ₹32,087 crore set in March 2026.
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Monthly SIP contributions grew 14.3% year-on-year in August 2026.
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The number of contributing SIP accounts crossed 10 crore for the first time, reaching 10.02 crore in August 2026.
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SIP assets under management stood at ₹18.62 lakh crore at the end of August 2026.
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SIPs accounted for about 21.4% of total mutual fund industry assets in August 2026.
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Total SIP flows into mutual funds were ₹3.40 lakh crore in FY 2025-26, of which equity-oriented schemes received ₹2.87 lakh crore.
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Monthly SIP contributions rose about 24% during FY 2025-26, from ₹25,926 crore in March 2025 to ₹32,087 crore in March 2026.
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Cumulative gross SIP inflows between March 2017 and March 2026 totalled ₹14.79 lakh crore, with about 76% of it coming in the last five years.
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SIPs made up 45.0% of retail investors' mutual fund AUM in FY 2025-26, up from 33.5% in FY 2020-21.
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About 7.2 crore new SIP accounts were opened between April 2025 and March 2026.
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Average monthly SIP inflows rose from ₹3,660 crore in FY 2016-17 to ₹29,132 crore in FY 2025-26, an eight-fold increase.
Mutual fund industry statistics
Industry assets, folios, investors and the rise of passive funds and ETFs.
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Assets under management of India's mutual fund industry stood at ₹87.08 lakh crore (₹87,07,888 crore) on 31 August 2026.
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Mutual fund industry AUM grew from ₹15.63 lakh crore on 31 August 2016 to ₹87.08 lakh crore on 31 August 2026, about a six-fold increase in 10 years.
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Mutual fund industry AUM grew from ₹36.59 lakh crore on 31 August 2021 to ₹87.08 lakh crore on 31 August 2026.
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Mutual fund industry AUM rose 15.8% in the year to August 2026, from ₹75,18,703 crore in August 2025.
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The mutual fund industry had 28.35 crore folios (investor accounts) as of 31 August 2026.
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The number of unique mutual fund investors rose from 5.36 crore in March 2025 to 6.14 crore in March 2026, an addition of nearly 78 lakh in a year.
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Equity-oriented mutual fund schemes held ₹39.21 lakh crore of assets at the end of August 2026, while debt schemes held ₹19.33 lakh crore.
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Equity mutual funds recorded net inflows for the 66th consecutive month in August 2026, taking in ₹29,329 crore.
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Passive funds (index funds and ETFs) held ₹15.42 lakh crore of assets at the end of August 2026.
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Gold ETFs held ₹1,91,166 crore of assets at the end of August 2026, up 163.7% from a year earlier, with net inflows of ₹2,597 crore in the month.
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Silver ETFs held ₹85,488 crore of assets at the end of August 2026 and drew net inflows of ₹1,271 crore during the month.
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Gold ETFs drew net inflows of ₹0.69 lakh crore in FY 2025-26, more than twice the roughly ₹30,213 crore they received in the previous five fiscal years combined.
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Mutual fund assets from beyond the top 30 cities (B30) rose from ₹5.2 lakh crore in March 2021 to ₹13.9 lakh crore in March 2026, against ₹59.8 lakh crore from the top 30 cities.
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Women accounted for 26.4% of unique mutual fund investors and 34.5% of individual investor AUM in March 2026.
Stock market participation
How many Indians invest in equities directly: registered investors, trading accounts, age and gender mix, and ownership of listed companies.
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India had about 23.77 crore demat accounts across NSDL and CDSL as on 31 August 2026 (19.10 crore at CDSL and 4.67 crore at NSDL).
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CDSL held 19,09,97,499 investor (demat) accounts, excluding closed accounts, as on 31 August 2026.
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NSDL had 4,67,00,882 active client (demat) accounts as on 31 August 2026, after adding 6,32,050 accounts and closing 1,04,554 during August 2026.
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NSE had 13.4 crore unique registered investors (unique PANs) as of July 2026, more than four times the number in March 2020.
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The number of unique trading accounts (client codes) at NSE crossed 26 crore in June 2026.
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About 355 lakh individuals traded at least once on NSE in the 12 months to July 2026, more than three times the number in March 2020.
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NSE added 13.3 lakh new investors in July 2026, 12.1% fewer than in July 2025.
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Maharashtra had the most NSE-registered investors in July 2026 with over 2.0 crore (15.5% of the total), followed by Uttar Pradesh with 1.5 crore (11.9%) and Gujarat with 1.1 crore (8.5%).
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Women made up about 25% of NSE's registered individual investors as of July 2026.
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The median age of NSE's registered individual investors was 33 years in June 2026, down from 38 years in March 2020.
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Investors under 30 made up 37.9% of NSE's registered individual investor base in June 2026.
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Investors under 30 accounted for 59% of new NSE investor registrations in April–July 2026 (FY 2026-27 to date), and the median age of new investors was 27.
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Individuals directly owned 9.5% of the market capitalisation of NSE-listed companies as of 30 June 2026.
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Including holdings through mutual funds, individuals owned a record 19.3% of NSE-listed market capitalisation, worth ₹90.3 lakh crore, as of June 2026.
F&O and intraday trading
SEBI’s studies of individual traders in equity derivatives and intraday cash trading.
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87.7% of individual traders in India's equity derivatives (F&O) segment made net losses in FY 2025-26, down from 90.9% in FY 2024-25.
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Aggregate net losses of individual F&O traders were ₹91,685 crore in FY 2025-26, down about 18% from ₹1,11,788 crore (revised) in FY 2024-25.
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The share of individual F&O traders making net losses was 90.2% in FY 2021-22, 91.5% in FY 2022-23, 91.1% in FY 2023-24, 90.9% in FY 2024-25 and 87.7% in FY 2025-26, per SEBI's August 2026 study.
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Individual F&O traders in India incurred aggregate net losses of about ₹3.85 lakh crore over the five years FY 2021-22 to FY 2025-26.
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The average net loss per individual F&O trader was about ₹1.17 lakh in FY 2025-26.
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Active individual traders in the equity derivatives segment fell 18% from 106.2 lakh in FY 2024-25 to 87.5 lakh in FY 2025-26, the first year-on-year decline since FY 2015-16.
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Traders below 30 years of age made up 43% of individual F&O traders in FY 2025-26 (up from 31% in FY 2021-22), and 89% of them made net losses.
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Options trading accounted for 92% of aggregate net losses of individual equity derivatives traders in FY 2025-26.
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About three-fourths of individual F&O traders declared annual income below ₹5 lakh in FY 2025-26, and 88% of that group made net losses.
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93% of over 1 crore individual F&O traders incurred losses over FY 2021-22 to FY 2023-24, averaging around ₹2 lakh per trader including transaction costs, with aggregate losses exceeding ₹1.8 lakh crore.
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71% of individual intraday traders in the equity cash segment incurred net losses in FY 2022-23.
Insurance statistics
Insurance penetration, density and coverage in India.
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India's insurance penetration (premium as a percentage of GDP) was 3.7% in FY 2024-25, unchanged from FY 2023-24.
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Life insurance penetration in India fell to 2.7% of GDP in FY 2024-25 from 2.8% a year earlier, while non-life penetration stayed at 1.0%.
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India's insurance density (premium per capita) was USD 97 in FY 2024-25, made up of USD 72 for life and USD 25 for non-life insurance.
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Global insurance penetration was 7.3% of GDP and global insurance density was USD 943 per person in 2024 (Swiss Re sigma data cited by IRDAI).
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India was the world's 10th largest insurance market by nominal premium volume in 2024, with a 1.8% share of global premiums (Swiss Re data cited by IRDAI).
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Life insurers in India collected total premium of ₹8.86 lakh crore in FY 2024-25, up 6.73% year on year.
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Non-life (general, health and specialised) insurers underwrote gross direct premium of ₹3.08 lakh crore in India in FY 2024-25, up 6.19% year on year.
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Non-life insurers' gross direct premium for FY 2025-26 was ₹3,35,918 crore (about ₹3.36 lakh crore), 9.2% higher than FY 2024-25, as per IRDAI's provisional flash figures.
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Life insurers wrote first-year (new business) premium of ₹4,59,713 crore in FY 2025-26, up 15.7% from ₹3,97,337 crore in FY 2024-25.
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General and health insurers covered about 58 crore lives under 2.65 crore health insurance policies in FY 2024-25; 42.3% of these lives were under government-sponsored schemes.
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Life insurers paid 97.82% of individual death claims by number (10,11,880 of 10,34,455 claims) in FY 2024-25.
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Swiss Re Institute estimated India's mortality protection gap at USD 44.8 billion in premium-equivalent terms in 2022, with life cover meeting only 9.2% of protection needs.
Retirement savings: NPS, APY and EPF
Subscribers, assets and declared rates for India’s main retirement schemes.
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The National Pension System (NPS) had 2.33 crore subscribers as on 27 September 2026.
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NPS assets under management stood at ₹17,49,093 crore (about ₹17.49 lakh crore) as on 27 September 2026.
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Atal Pension Yojana had 8.01 crore active accounts with assets under management of ₹58,352 crore as on 27 September 2026.
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The NPS All Citizen model, open to any Indian citizen outside government and corporate schemes, had 52.73 lakh subscribers as on 31 July 2026.
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The corporate sector model of NPS had 30.55 lakh subscribers and assets of ₹3,02,029 crore as on 31 July 2026.
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NPS Vatsalya, the pension account for minors launched in September 2024, had 3,99,987 subscribers with assets of ₹382 crore as on 31 July 2026.
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The Unified Pension Scheme (UPS) for Central Government employees had 1,05,333 subscribers and assets of ₹25,635 crore as on 31 July 2026.
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EPF accumulations earn 8.25% a year for FY 2025-26, the same rate as FY 2024-25 (recommended by EPFO's Central Board on 2 March 2026, notified July 2026).
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The Employees' Pension Scheme (EPS) under EPFO had 7.98 crore contributory members as of April 2026.
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EPFO enrolled 1,22,89,244 (about 1.23 crore) new members and received total contributions of ₹3,35,628.81 crore in FY 2024-25.
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EPFO served 81,48,490 pensioners and settled 6,01,59,608 (about 6.02 crore) claims in FY 2024-25.
Household savings, deposits and tax regime
How Indian households save, how much sits in bank deposits, and which income tax regime filers choose.
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Indian households' net financial savings rose to 7.0% of gross national disposable income (GNDI) in FY 2024-25, up from 5.8% in FY 2023-24.
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Gross household financial savings were 11.8% of GNDI in FY 2024-25, down from 12.1% in FY 2023-24.
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Household financial liabilities (fresh borrowing during the year) fell to 4.8% of GNDI in FY 2024-25 from 6.4% in FY 2023-24.
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The household sector's total savings (financial, physical and valuables) were 21.3% of GNDI in FY 2024-25, up from 20.2% in FY 2023-24.
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Household savings in physical assets were 13.6% of GNDI in FY 2024-25, larger than net financial savings of 7.0%.
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India's gross domestic savings rose to 34.2% of GNDI in FY 2024-25 from 32.3% in FY 2023-24.
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Aggregate deposits of scheduled commercial banks in India stood at ₹276.23 lakh crore as on 15 September 2026.
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Time deposits with scheduled commercial banks in India stood at ₹242.87 lakh crore as on 15 September 2026, against ₹33.36 lakh crore in demand deposits.
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About 72% of the 7.28 crore income tax returns filed for AY 2024-25 by 31 July 2024 (5.27 crore returns) were filed under the new tax regime; this is the latest officially published regime split.
How to cite this page
You’re free to use any statistic here, including in articles, reports and presentations (CC BY 4.0). Please credit the original publisher and link to this page. Each statistic has its own Link and Copy citation buttons, or use:
FinPlann. “Indian Investor Statistics 2026.” Updated 30 September 2026. https://finplann.com/indian-investor-statistics/
Sources and methodology
We only use figures from the organisation that produced them: AMFI for mutual funds and SIPs, SEBI for trader studies, NSE, NSDL and CDSL for investor and demat counts, IRDAI for insurance, PFRDA and EPFO for retirement schemes, and RBI and the Income Tax Department for savings and tax filing. News reports are never used as a source.
The date beside each statistic is the period it describes, not when we added it. Some figures (such as unique investors versus trading accounts) measure different things and aren’t comparable; where that matters, the sentence says so.
We refresh SIP and mutual fund figures every month after AMFI’s release, and the rest when the publisher releases new data. Every source link is checked automatically before each update. Spotted an error? Tell us.
Frequently asked questions
How many SIP accounts are there in India?
India had 10.02 crore contributing SIP accounts in August 2026, the first time the count crossed 10 crore, according to AMFI. About 7.2 crore new SIP accounts were opened in FY 2025-26 alone.
How much money goes into SIPs every month in India?
Monthly SIP contributions reached a record ₹32,297 crore in August 2026, up 14.3% from a year earlier, according to AMFI. SIP assets stood at ₹18.62 lakh crore at the end of August 2026.
What is the total AUM of the Indian mutual fund industry?
The Indian mutual fund industry managed ₹87.08 lakh crore of assets on 31 August 2026, about six times its ₹15.63 lakh crore AUM ten years earlier, according to AMFI.
How many people invest in the Indian stock market?
NSE had 13.4 crore unique registered investors (unique PANs) as of July 2026, and its unique trading accounts crossed 26 crore in June 2026. The account count is higher because one investor can hold accounts with several brokers.
How many demat accounts are there in India?
India had about 23.77 crore demat accounts as on 31 August 2026: 19.10 crore at CDSL and 4.67 crore at NSDL, according to the two depositories. One person can hold several demat accounts, so this is higher than the number of unique investors.
What percentage of F&O traders lose money in India?
SEBI found that 87.7% of individual F&O traders made net losses in FY 2025-26, down from 90.9% in FY 2024-25. Their aggregate net losses were ₹91,685 crore in FY 2025-26, and the loss-making share has been between 87.7% and 91.5% in every year from FY 2021-22 to FY 2025-26.
About this data
This page is an educational reference, not investment advice. Figures are as published by each source on the date shown and may since have been revised. For tax slabs and scheme interest rates, see the Indian financial data reference.