The Secret Power of Hidden Savings

Research has indicated that a vast 71% of Indian women[1] consider family financial security as their primary goal in life. Unfortunately, the current situation tells a different story; only around 30% reported saving in formal institutions last year and just 17% of them saved through banks or investments. Almost half of the respondents worry about not having enough money to pay for an unexpected medical bill or a school fee increase. People still prefer to keep their money hidden at home, in jars, pillowcases, or secret boxes, as a form of empowerment ingrained in our culture.

The Drawbacks

Now consider the vulnerabilities. That ₹10,000 under your mattress is earning you zero interest while inflation steadily rises 5-6% every year. It can be stolen if there is a thief in your home or possibly forgotten or diverted for family expeditions. You feel it in your bones: putting away money for saving is often touted as safe, but it can feel dangerously stagnant.

In today’s India, where inflation reduces the value of money by several rupees every month, even small savings often struggle to keep up with rising costs. It makes it important to find a realistic way to upgrade your savings that will meet the demands of the life you lead and the life you envision.

A Better Way to Grow

Introducing mutual funds: a sophisticated modernisation of your Mom Fund for accumulating wealth from whispers. No more hiding passively, but now actively protecting your wealth. Your money will work just as hard for you as you do. Mutual funds gather your rupees with those of others, managed by professionals who will diversify across stocks, bonds, and locations. You are comfortable starting small; consider starting with ₹500 per month through Systematic Investment Plans (SIPs). In time, rupee-cost averaging will level out dips and bumps of the market, as you buy more when prices go lower. If you invest just ₹500 a month through an SIP for 10 years, you would invest a total of ₹60,000. And with an estimated annual return of about 12%, that amount could grow to roughly ₹1,12,041[2] over time.

Conclusion

Mutual Funds can help women manage career breaks while continuing to build long-term wealth. Products like ELSS offer tax benefits under Section 80C and encourage disciplined investing. A mix of equity and debt offered by Hybrid Funds could provide both growth potential and relative stability. A diversified approach can strengthen your family’s financial future, from funding education to meeting healthcare needs.

An Investor education and Awareness initiative of Aditya Birla Sun Life Mutual Fund

All investors have to go through a one-time KYC (Know Your Customer) process. Investors to invest only with SEBI registered Mutual Funds. For further information on KYC, list of SEBI registered Mutual Funds and redressal of complaints including details about SEBI SCORES portal, visit link : https://mutualfund.adityabirlacapital.com/Investor-Education/education/kyc-and-redressal for further details.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully