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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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| Paper Title: | A Comparative Analysis of Mutual Fund Industry: India vs Global Markets – Performance, Regulation, and Investment Trends. |
| Authors Name: | AMAN SINGH |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_203779
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| Published Paper Id: | IJRTI2505140 |
| Published In: | Volume 10 Issue 5, May-2025 |
| DOI: | https://doi.org/10.56975/ijrti.v10i5.203779 |
| Abstract: | Mutual funds have gained significant popularity as a preferred investment choice worldwide (sebi, 2023). In India, the mutual fund sector is experiencing significant expansion as a result of increasing investor knowledge, convenient online access, and robust regulatory backing from sebi. This paper compares the mutual fund industry in India with that of developed markets like the United States and the United Kingdom, examining factors such as performance, risk, regulation, and innovation. The initial segment examines the differences in returns, risk, and asset growth among various regions. India's mutual fund industry has experienced substantial growth, reaching a value of ₹52 lakh crore by 2025. However, compared to global peers like the US and UK, fund longevity and international diversification remain relatively limited. The second part examines legal structures. In India, the Securities and Exchange Board of India (Sebi) safeguards investor interests and promotes market transparency by enforcing stringent compliance regulations, comprehensive risk disclosures, and expense caps. Across the globe, regulatory bodies like the SEC (USA) and FCA (UK) have distinct approaches, providing more product flexibility, stricter fiduciary norms, and a greater focus on sustainable investing. The concluding part delves into emerging trends like passive investing, funds that consider environmental, social, and governance factors, and the use of technology like robo-advisors and mobile platforms. Globally, environmental, social, and governance (esg) investing represents 40% of the total assets under management (aum), while in India, esg funds are still in their early stages but experiencing steady growth. Fintech platforms such as zerodha and groww are playing a significant role in expanding access and fostering a culture of saving in India. The findings of this research suggest that India has the capacity to establish itself as a prominent global mutual fund hub. In order to achieve this vision, the industry needs to align with global standards, educate investors, enhance risk management, and foster innovation and sustainability in investment practices. Mutual funds have gained immense popularity as a preferred investment method, not only in India but also on a global scale. Individuals are increasingly selecting mutual funds due to their superior returns compared to traditional savings, their simplicity in investment, and the expertise of professional fund managers. In India, this trend is rapidly expanding due to the growing financial literacy of the population, the availability of digital apps, and the active involvement of sebi (securities and exchange board of india, 2023). This research examines the similarities and differences in how mutual funds operate in India and advanced countries like the United States and the United Kingdom. It examines crucial aspects such as returns, risk levels, asset growth, and investor involvement. In 2025, India's mutual fund assets reached a staggering ₹52 lakh crore, but when compared to the US market, which boasts over $28 trillion in assets, it falls significantly behind in terms of variety and global exposure. One of the key strengths of India's mutual fund sector is the increasing adoption of systematic investment plans (sips), which currently has over 7.5 crore active accounts. Despite the availability of international funds and sector-based funds, Indian investors still prioritize short-term gains and remain hesitant to invest in these options. In contrast, global investors are more inclined towards long-term, passive, and esg (environmental, social, and governance) investing. Worldwide, there's a significant movement towards sustainable and digital investing. Approximately 40% of the total assets managed now incorporate environmental, social, and governance (esg) criteria. The United States and the United Kingdom are at the forefront of utilizing robo-advisors, artificial intelligence-based portfolio management tools, and investment through mobile applications. In India, these technologies are expanding but are still in the early stages of development. Platforms such as zerodha, groww, and paytm money are playing a crucial role in bridging this gap. In terms of regulations, the Securities and Exchange Board of India (Sebi) plays a significant role in safeguarding investors by establishing guidelines for disclosures, costs, and risk labeling. In contrast to global regulators like the SEC (USA) and FCA (UK), India still has room for improvement in areas such as product innovation, fund transparency, and promoting global diversification. This research also emphasizes some key challenges for india: Smaller range of global investment choices. Low awareness of long-term and passive investing. Imperative of Implementing Robust Risk Management Systems. Identifying Areas for Improvement in Investor Education and Trust. Despite these challenges, there are many opportunities: Generational cohort of youth with increasing wealth. The rise of internet and mobile technology has led to an increase in the availability of information and communication. Government Initiative to Promote Financial Accessibility. The emergence and expansion of fintech and digital finance solutions. |
| Keywords: | mutual fund industry,global market of mutual fund,mutual fund comparison of india and other coutries |
| Cite Article: | "A Comparative Analysis of Mutual Fund Industry: India vs Global Markets – Performance, Regulation, and Investment Trends.", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 5, page no.b361-b366, May-2025, Available :http://www.ijrti.org/papers/IJRTI2505140.pdf |
| Downloads: | 0001031 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
| Publication Details: |
Published Paper ID: IJRTI2505140
Registration ID:203779
Published In: Volume 10 Issue 5, May-2025
DOI (Digital Object Identifier): https://doi.org/10.56975/ijrti.v10i5.203779
Page No: b361-b366 Country: etawah, Uttar Pradesh, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2505140 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2505140 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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