Archive · 20 Nov 2025
India's Gen Z: Diversifying Portfolios with Gold, Crypto, and SIPs
India's Gen Z is changing how people invest money.
They like digital gold, which is easy to buy and sell online.
They also love cryptocurrencies like Bitcoin.
Many Gen Z also use something called SIPs, which is like saving a little money each month to buy stocks.
They don't pick just one thing to invest in; they choose a mix of these options to spread out the risk.
Gen Z in India is reshaping personal finance, investing in digital gold, crypto, and SIPs
Digital gold and SGBs are preferred over traditional jewelry by 75% of Gen Z
Crypto adoption is surging among Indian Gen Z, with 37.6% of investors aged 18-25
SIPs are popular among Gen Z for long-term, stable returns, with 19% investing in them
Gen Z diversifies investments, allocating to stocks/MFs (58%), gold (26%), and crypto (37.6%)
- Who
- India's Gen Z (born between 1997 and 2012)
- What
- Investing in digital gold, crypto, and SIPs
- When
- Currently, with trends observed in 2025
- Where
- India
- Why
- To build wealth and diversify investments
Traditional Investors
Gen Z Investors
Gold preference
Traditional Investors
Prefer traditional jewelry and physical gold
Gen Z Investors
Prefer digital gold and SGBs for affordability and liquidity
Crypto perception
Traditional Investors
View crypto as risky and volatile
Gen Z Investors
See crypto volatility as an opportunity and embrace it
SIPs
Traditional Investors
May find SIPs boring and less exciting
Gen Z Investors
Appreciate SIPs for long-term, stable returns and compounding effect
- Total Gen Z population in India
- 377 million
- Gen Z's share in crypto investors (18-25 years)
- 37.6%
- Gen Z's share in new SIP accounts opened in 2025
- 40%
- Average monthly SIP investment by Gen Z
- Rs 2,500
- Projected crypto inflow by 2035
- USD 15 billion