Top challenges*
Share of respondents who agreed (%)

Emergency preparedness
To what extent are respondents resilient against an unexpected financial shock?

Savings behaviour

How much take-home income do respondents save?

Investment behaviour*
Share of respondents who put their money (%)

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Learning demand*

Share of respondents who seek education (%)

What regulatory data says
Two Securities and Exchange Board of India (Sebi) surveys validate how the ‘invest first, learn later’ phenomenon is leading employ ees to chase risky fads.
According to July 2024 study on intraday trading, in financial year 2022-23:
7 out of 10: Individual traders in equity cash segment who made net loss
57%: The share of loss-making traders’ loss which they paid extra as trading costs
According to Sebi-Kantar Investor Survey 2025:
63%: Indian households who are aware of at least one securities market product
9%: Share of informed Indian households who actually invest in a product

Transforming workplace financial wellbeing

Instead of undergoing generic financial education sessions once or twice a year, employers need structured and tailored learning.

Early in career:

Budgeting and emergency
Debt management
Emergency fund building
Money management basics

Mid-career:

Retirement planning
Family cash-flow management
Elder care preparation
Financial planning and catchup
Reducing debt

For advanced investors:

Strategic wealth management
Cross-border investments
Asset allocation and portfolio review
Estate planning