Investor Awareness and Perspectives among Mutual Fund (MF) Investment

Abstract

India’s mutual fund market has seen record growth during last preceding decade and has grown as important part of the nation's financial landscape. As Assets-Under-Management (AUM) increased from ₹11.73 trillion in June 2015 to ₹74.40 trillion in June 2025, the sector has grown over six times, reflecting a stunning rise in investor involvement. The current empirical research aims to study the awareness, perception, investment habit, and choice of individual investors, specifically in the retail space, amid this tremendous growth. 175 respondents were surveyed through a structured questionnaire distributed through digital channels. The study indicates most investors are attracted to MF funds due to their higher returns and ease of operation, there is a wide gap in knowledge regarding differentiation among schemes, tax advantages, and investment modes. The research indicates urgent necessity of conducting literacy programs so that investors have the power to make sound investment choices