How Gen Z is Investing Differently in India

The days of investing in India capturing a piece of those fixed deposits or leaving it up to the family elders are gone. Now, today's GenZ is redrawing the playbook for investment, as they're doing it with style, speed, and intelligence.

**1. Digital-First Investors**

For the GenZ generation, applications such as Upstox, Groww, INDmoney, and Zerodha are the new banks. They adore easy-to-use, open, as well as mobile-based platforms. More than half of today's new-age youth do their first market move through an application instead of conventional brokerages.

**2. Crypto and Alternative Assets**

While older generations may remain skeptical about Bitcoin and NFTs, Gen Z is already involved. More people are now perceiving cryptocurrency as a gamble, but as a diversified investment. They are also dabbling into other assets such as REITs, international equities, even owning fractional pieces of art and collectibles.

**3. Emphasis on Financial Literacy**

Unlike previously, youngsters are learning about money. They don't only save—they accumulate wealth understanding the concept of SIPs, index funds, and risk management. They are learning through YouTube explainers as well as Instagram finance influencers. They are exposed to financial content daily.

**4. Sustainable Investing and Ethical Investing**

It's not only about profits. Gen Z is interested in where their money is going. They are increasingly turning to ESG (Environment, Social, and Governance) investing. Several of them prefer firms that share their viewpoints regarding climate change, social issues, and ethical management.

**5. Decisions for DIY and Community

Instead of banking so much on financial advisors, DIY (Do-It-Yourself) investing is a favorite amongst Gen Z investors. They inhabit online platforms such as Reddit, Twitter Spaces, and Telegram groups, where they share ideas, talk stocks, crypto trends, and learn from fellow traders.

 

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Gen Z of India is demonstrating that investing is as much about freedom as it is about money—it's about making thoughtful choices with a desire for change. Equipped with technology, global awareness, and a passion for learning about money, they are revolutionizing wealth creation beyond recognition.

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