International Journal For Multidisciplinary Research

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Perception of young investors towards Mutual funds as a wealth creation tool: A primary study in Jaipur city

Author(s) Mr. Ajay Kumar Tanwar, Dr. Kamlesh
Country India
Abstract Mutual funds have become increasingly popular among young investors in India because they offer flexibility, professional management, and the potential for long-term growth. With wider internet access and better financial awareness, young people in Tier-II cities such as Jaipur are gradually moving away from traditional options like fixed deposits or gold and exploring market-based products. Still, individual perception strongly influences whether they choose to invest.

This study draws on primary data from 120 young investors aged 20 to 35 in Jaipur. Information was gathered through a structured questionnaire containing 20 Likert-scale statements covering awareness, risk perception, accessibility, and overall attitudes toward mutual funds. A convenience sampling method was used, and the responses were analysed using tools such as frequency distribution and cross-tabulation.

Findings: The results show that most young investors see mutual funds in a positive light, especially through SIPs, which are considered an easy and disciplined way to invest. Digital platforms and peer influence contribute significantly to encouraging investment participation. Yet many individuals continue to perceive Mutual Funds as risky and acknowledge that they lack a full understanding of how these schemes operate, exposing a gap between basic familiarity and deeper financial knowledge.

Research Implications: The outcomes can help financial institutions, policymakers, and educators design youth-focused financial literacy programs, improve the way information is communicated, and build stronger trust in mutual funds. Targeted interventions of this kind could narrow existing perception gaps and encourage young investors to develop steady, long-term investing habits.
Keywords Mutual Funds, Young Investors, Perception, Wealth Creation, Jaipur, SIP, Financial Awareness, Investment Behaviour
Field Sociology > Banking / Finance
Published In Volume 8, Issue 1, January-February 2026
Published On 2026-02-09
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E-ISSN 2582-2160
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