By CS Mohapatra and Depannita Ghosh

A 23-year-old management student in Delhi recently lost her savings to a social media group that promised “sure-shot stock tips” with guaranteed daily returns. A few weeks earlier, a young IT professional followed the advice of a popular finfluencer, only to find himself holding near-worthless penny stocks. Neither lacked access to financial services—they lacked the ability to differentiate genuine opportunity from digital deception.

As World Investor Week 2025 unfolds between October 6 and 12, it is worth reflecting on the risks and opportunities faced by India’s growing class of young investors. Today, conversations about money bloom not at bank counters or traders’ offices but on smartphones, reels, and trading apps. The rapid digitalisation of fi

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