Designing for Her: Unlocking Women’s Financial Adoption in India

While digital rails have democratised access and the RBI Financial Inclusion Index has surged from 46 to 67 between 2018 and 2025, a painfully obvious gap persists. Women remain systematically underserved in the BFSI space, despite being a high-quality, fast-growing cohort.

How does the adoption gap arise?

Most present-day financial products are designed for men and retrofitted for women.Our report reveals that the adoption gap stems not from disinterest but from design failures on three fronts –

• Family Validation Architecture

• Male-centric Ecosystem

• Product-Market Misalignment

The opportunity for BFSI providers

Behind this underrepresentation lies a compelling opportunity. Women demonstrate superior credit quality, lower delinquency rates, and faster wealth accumulation, as compared to men. Enabling access to India’s 75 million digitally active working women can unlock an INR 284k billion-pool across wealth, lending, and insurance.

How should fintech players innovate for women?

Unlocking women’s financial adoption requires solving trust and relevance gaps. In this report, we examine the aspects that create friction for women across income levels and offer a detailed framework for designing inclusive and effective financial instruments that cater to the needs of this underserved cohort. Download this report for our insights and recommendations.

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