The Growing Trend of Gen Z Investing in Franctional Shares and Small Ticket Investments in Ahmedabad and Bhavnagar City

Krish Kakdiya; Krish Sutariya; Jignesh Vidani

doi:10.59890/ijaeam.v3i6.104

Authors

Krish Kakdiya L.J University
Krish Sutariya L.J University
Jignesh Vidani L.J University

DOI:

https://doi.org/10.59890/ijaeam.v3i6.104

Keywords:

Gender Differences, Investment Behavior, Fractional Investing, FinTech, Behavioral Finance

Abstract

The present study investigates the relationship between gender and investment behavior among young investors in India, focusing on factors such as saving habits, familiarity with fractional investing, FinTech usage, confidence in independent investment decisions, and influence of social media on financial choices. The study analyzed data collected from 194 respondents, primarily aged between 18 and 25 years, residing in Ahmedabad and Bhavnagar. Using statistical tools such as frequency analysis, chi-square tests, and reliability testing (Cronbach’s Alpha = 0.914), the study aimed to identify whether gender plays a significant role in shaping investment attitudes and participation. The findings revealed that gender has a statistically significant association with certain aspects of investment behavior, particularly saving habits, preference for small-ticket investments, influence from social media financial advice, and belief in investing from a young age. However, no significant gender differences were observed in FinTech usage, familiarity with fractional investing, or confidence in independent investment decisions. These results suggest that while the gender gap in traditional investment behavior persists to some extent, digital platforms and financial awareness initiatives are helping to reduce disparities. The study contributes to the growing body of behavioral finance literature by providing empirical insights into gender-based financial behavior in India’s emerging digital economy. It also offers valuable implications for policymakers, financial educators, and FinTech companies to design more inclusive, accessible, and gender-sensitive financial engagement strategies.

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