India, Feb. 3 -- India, home to 1.4 Bn people, has seen a large population moving towards economic well-being over the years. The increasing participation of retail investors across financial markets has partially driven this growth and impacted every nook and cranny of the top investment sectors and categories.

Take mutual funds, for instance, which are popular among all and sundry, given the convenience of systematic investment plans (SIPs). The SIP assets under management (AUM) reached an all-time high of INR 13.54 Lakh Cr in November 2024, while monthly SIP inflows saw a 48% YoY increase, underscoring people's confidence in mutual funds as a wealth-building tool.

But here is the flip side. According to industry reports, financial li...