Evaluating the Influence of FinTech Investment Platforms on Mutual Fund AUM Growth in India Post2020: A Quantitative Study

The emergence of FinTech-driven investment platforms post-2020 has significantly transformed the structure of India's mutual fund industry.This study performs an empirical examination of the effect of online platforms on the expansion of mutual fund assets under management (AUM) and the patterns of retail investor participation.The study uses solely secondary data sourced from AMFI publications, regulatory communications, market indices, and publicly accessible digital adoption measurements to compile a comprehensive dataset that reflects both industry dynamics and the expansion of FinTech.The approach framework includes time-series diagnostics, structural break analysis, regression modelling, and event-study methods to look at how platform adoption and mutual fund growth are related across time.A composite FinTech Adoption Index is constructed to assess digital engagement through search patterns, application-level metrics, and documented platform milestones.This study seeks to develop a detailed analytical framework to get about the evolving role of digital intermediaries in India's post-2020 mutual funds by situating technological innovation within the broader context of investor behaviour and capital market development.