Thus, an overwhelming majority of the funds garnered from the urban non-retail segment are short-term investments. Further, this is not a short-term trend as it has been noticed over a period of a few years. Therefore, if the industry wants to change the age profile of the funds it has at its disposal, it needs to seriously look at the other investors . retail investors and high net-worth individuals (HNIs) in the urban and semi-urban areas. This will also help fulfil the objectives of financial inclusion. This is not to say that corporate investors should not be encouraged to invest.
