Abstract:The financial empowerment of women in India is witnessing a transformative shift, moving beyond traditional saving habits toward active investment participation. This research paper presents a comprehensive comparative analysis of the investment patterns of working and non-working women in India, drawing upon multiple surveys and national-level data from 2024-2025. The study reveals a significant evolution in women's financial behaviour, with mutual funds emerging as the most popular investment choice among women (38.9%), surpassing traditional favourites like fixed deposits and gold. The research identifies a critical paradox: while 84% of women investors feel confident making investment decisions, only 33% have both a clear financial goal and a structured plan. Working women demonstrate higher participation in equity markets and mutual funds, while non-working women, despite managing household finances, face significant barriers including lack of knowledge (60%) and fear of losses (50%). The study underscores the importance of financial literacy, digital inclusion, and targeted policy interventions in bridging the investment gap between working and non-working women.

Keywords: Women Investors, Investment Behaviour, Working Women, Non-Working Women, Financial Literacy, Mutual Funds, SIP, Gender and Finance, India.