Indian fathers are increasingly adopting a long-term mindset when it comes to financial planning—thinking in decades rather than years. A majority, 53%, are willing to invest for a period of 10 to 15 years. Another 14% prefer a horizon of 15 to 20 years, while 13% are comfortable investing for 20 to 30 years. Notably, 20% are committed to staying invested for over 30 years, highlighting a strong shift toward sustained wealth-building and financial security for future generations.
Children’s education continues to be the top financial priority for Indian fathers, with 51% placing it above all else. However, there is a noticeable rise in focus on areas that were once lower on the list—14% now prioritize planning for a comfortable retirement, and another 14% aspire to take their families on a grand vacation. This marks a growing emotional shift toward long-term security and experience-led living, according to new PNB MetLife survey.
Recognising the vital role fathers play in our lives, PNB MetLife India Insurance PNB MetLife), one of India’s leading life insurers explored how they perceive their role in financial decision making.
The nationwide survey which kickstarted on Father’s Day and spanned across India in June, July and August engaged fathers in identifying their ‘Dad Type’ based on their financial attitudes, classifying them into three distinct personas.
A significant 62% of respondents identified themselves as ‘Hero Dads’ — guardians of their family’s financial security. 29% of fathers emerged as ‘Thoughtful Dads’ — strategic planners who take a cautious, long-term approach to managing their family’s finances.
The remaining 9% were identified as ‘Disciplined Dads’ — consistent savers who prioritize routine, control, and structure in their financial decisions.
Sourabh Lohtia, Chief Marketing and Communications Officer, PNB MetLife, said, “Today’s Indian father is not just a provider; he is a protector, planner, and nurturer — someone who is not only emotionally present but also increasingly financially aware.
Investment Time Horizon: Long-Term Is the New Norm
Indian fathers are increasingly adopting a long-term mindset when it comes to financial planning—thinking in decades rather than years. A majority, 53%, are willing to invest for a period of 10 to 15 years. Another 14% prefer a horizon of 15 to 20 years, while 13% are comfortable investing for 20 to 30 years. Notably, 20% are committed to staying invested for over 30 years, highlighting a strong shift toward sustained wealth-building and financial security for future generations.
Such long-term commitment to financial planning reflects a growing maturity in India’s savings culture. This is further evident in the investment choices of Indian fathers—30% prefer the safety of fixed deposits, 22% opt for the protection and long-term value of life insurance, and 17% favor mutual funds for balanced growth. These preferences highlight a strong inclination toward low-risk, stable financial instruments that align with their long-term goals.
The survey conducted PAN India across urban and semi-urban cities through an interactive microsite and QR code-led activations, gathered insights from over 6000 fathers across the country, making it one of the most comprehensive surveys on the modern Indian dad’s financial mindset.