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Digital Innovation Reshaping India's Mutual Fund Landscape

Digital tools are making mutual fund investing more accessible and convenient. But industry partners note challenges in bond fund adoption and regulatory frameworks that affect scalability and investor trust.

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1 min read
In the center of the image we can see wallets placed on the table.
In the center of the image we can see wallets placed on the table.

Digital Innovation Reshaping India's Mutual Fund Landscape

Digital innovation is transforming India's mutual fund landscape. Paperless onboarding, e-KYC, and Aadhaar-based verification have streamlined account opening. Meanwhile, digital platforms are expanding investor access and reducing costs. However, challenges persist in bond fund adoption and regulatory frameworks.

The rise of digital tools has made mutual fund investing more accessible and convenient. Paperwork has been reduced, and investors can now open accounts using their Aadhaar for verification. Digital platforms have also expanded distribution, opening avenues for niche market investors.

To ensure safety, cyber hygiene, credential protection, and platform authenticity checks are crucial. AI assistants and goal planners help investors translate their objectives into suitable asset allocations. However, industry partners note challenges in bond fund adoption, digital infrastructure, and regulatory frameworks that affect scalability and investor trust.

Digital tools enable investors to set up, monitor, and automate their investment journeys, including systematic investment plans (SIPs) and lumpsum options. UPI and instant payment systems have facilitated steady monthly flows into SIPs, encouraging disciplined investing habits.

Bajaj Finserv AMC evaluates investment opportunities through megatrends to build long-term value-creating portfolios. Regulatory shifts like updated KYC validation and DigiLocker proposals have further reduced onboarding friction while maintaining oversight. As digital transformation reshapes mutual fund participation in India, onboarding, access, and regular investing are being influenced, driving the industry's growth.

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