Start Small, Think Big: How India’s First Women-Only PMS Is Helping Women Invest in Themselves

1. What motivated you to create an investment platform exclusively for women at a time when financial literacy is still evolving in India?

In India, there is a discrepancy in how involved women are with their wealth management in comparison to men. To turn this statistic around into an empowering reality means more women becoming financially independent, entering male-dominated industries, and taking on entrepreneurial roles and businesses. Being confident and able to spark and inspire financial conversations requires the right resources, platforms, and motivation. More than just building portfolios, Dhanvesttor aims to shift the perception of money so that women view it as a tool for legacy and independence rather than merely security.

Indian women today control nearly 32% of household wealth, valued at over $3.8 trillion, yet less than 7% invest in equity markets compared to 20% of men. Even in urban families, 62% of women are not involved in key investment decisions, despite often being the primary savers. This gap isn’t just a statistic, it’s a reflection of an untapped force waiting to be unleashed.

Dhanvesttor was created to unlock this latent potential, turning women from passive savers into active investors and wealth creators. Our goal is to equip women with the financial confidence and access they need so that money is no longer just a safety net, but becomes a tool for power, independence, and legacy-building.

2. How do you plan to reach your goal of educating one lakh women about investing, and what difference will it make to their families and communities?

At the heart of our mission is our commitment to educate one lakh women by FY2028, and we’re doing it through multi-layered programs: From workplace financial literacy sessions to curated workshops designed for different wealth brackets, ranging from fundamental budgeting and saving techniques to sophisticated wealth-building strategies for ultra-HNI women. Our corporate programs and carefully chosen workshops aim to make finance relevant and approachable, ensuring women can engage with it at every stage of their journey.

The need for this mission is clear: only 33% of Indian women are financially literate compared to 51% of men, yet momentum is building, with female demat account ownership rising from 15% in FY19 to 22% in FY24, and Tier-2 and Tier-3 cities contributing over 60% of new accounts. By making finance approachable, we’re building the confidence women need to take independent financial calls at home and in business.

A woman who is financially literate has a significant ripple effect; she impacts her family’s decisions, motivates her peers, and passes this knowledge to the next generation. Studies show that when women actively participate in financial management, their families benefit through improved education, health, and long-term wealth outcomes. Through our curated programs, we’ve already reached over 400 women, raising their financial literacy and making wealth management an approachable, engaging topic. This is just the beginning, our larger goal is to create a network of self-assured, knowledgeable female investors who can end cycles of dependency and transform their families and communities.

3. Could you share a success story of how Dhanvesttor has transformed the financial journey of a first-time woman investor?

One of our first clients was a woman who had inherited substantial wealth but had never handled the investments herself. She relied on others to make decisions on her behalf, often feeling overwhelmed by financial jargon and the complexity of options. We began by simplifying the process and aligning her portfolio with her personal goals through our FAITH framework; Which focuses on Fundamentals, Allocation of Capital, Intrinsic Value, Top Management, and High Principles. Over time, she grew comfortable asking questions, exploring opportunities, and gradually taking control of her decisions.

Within six months, she not only felt secure and confident about her portfolio but also began encouraging women in her social circle to start their own investment journeys. Her transformation from hesitancy to empowerment mirrors a broader trend in India, where 70% of first-time female investors are entering the markets through mobile apps, showing that with the right support system, women are eager and willing to learn. Stories like hers remind us why we do what we do, because every empowered woman investor becomes a catalyst for change in her community.

4. How do you see women investors reshaping India’s financial independence narrative on a national scale?

India has reached a powerful turning point. By 2030, women are expected to inherit nearly 70% of family wealth transfers, especially among business families, while female workforce participation is projected to cross 30%. Women-owned businesses already contribute 18% to India’s GDP, growing at a 15-17% CAGR. As more women enter the workforce, run businesses, and inherit wealth, their role in shaping the financial landscape will become increasingly significant.

Women investors bring a long-term, values-driven approach, prioritising intergenerational planning, ethical investing, and sustainable growth. Their active participation in wealth creation not only deepens capital markets but also introduces fresh perspectives, resilience, and strategic intent. Encouraging female investors is therefore not just a matter of individual empowerment; it strengthens households, promotes inclusive economic growth, and helps build a more robust economic foundation for the country as a whole.

5. What message would you give to young women across India who are hesitant about stepping into the world of investments?

Start small, but start now. You don’t need to have everything figured out to begin investing. Even a modest, steady step, like a SIP of ₹5,000 a month at a 12% return, can grow to over ₹1 crore in 32 years. What matters most is consistency, curiosity, and the courage to take the first step.

Ask questions, seek advice, and build your knowledge along the way instead of letting fear of the unknown hold you back. Investing isn’t just about growing wealth; it’s about gaining self-assurance, independence, and control over your future. Globally, female-managed portfolios outperform male-managed ones by 0.4–1% annually, thanks to disciplined, long-term thinking. Indian women are no less capable, they just need to claim their space in financial conversations.

When you invest, you are investing in your choices, your dreams, and yourself. Starting early gives your money more time to grow and amplifies your power to create the life you want. With the right direction and attitude, hesitation can transform into action, and action into long-lasting impact.