{"id":28754,"date":"2026-03-06T11:45:49","date_gmt":"2026-03-06T11:45:49","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2026\/03\/06\/how-women-are-balancing-savings-digital-payments-and-lifestyle-spending\/"},"modified":"2026-03-06T11:45:49","modified_gmt":"2026-03-06T11:45:49","slug":"how-women-are-balancing-savings-digital-payments-and-lifestyle-spending","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2026\/03\/06\/how-women-are-balancing-savings-digital-payments-and-lifestyle-spending\/","title":{"rendered":"How women are balancing savings, digital payments and lifestyle spending"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div>Indian women are strengthening their role in household financial management while also emerging as a major force in discretionary spending such as travel and wellness, according to insights from industry surveys.<\/p>\n<p>The PayNearby Women Financial Index 2026, released by PayNearby, shows that 85% of women surveyed act as the primary savers in their households, highlighting their central role in family financial planning.<br \/>&#13;\n<\/p>\n<p>\nAt the same time, <a href=\"https:\/\/www.cnbctv18.com\/personal-finance\/how-women-are-expanding-their-role-in-india-investment-landscape-ws-el-19863531.htm\" target=\"_blank\" rel=\"noopener\">digital financial adoption<\/a> is expanding. Around 38% of women in rural and semi-urban areas use UPI at least once a week for routine expenses such as groceries, utility bills and mobile recharges, while 71% now operate their bank accounts independently.<br \/>The report also points to growing openness to financial products. Nearly 44% of women said they would consider investing in gold-based savings products through small-ticket SIPs, although formal savings penetration remains limited, with only 32% saving through banks or other formal channels.<\/p>\n<p><a href=\"https:\/\/www.cnbctv18.com\/personal-finance\/women-health-insurance-uptake-rises-but-coverage-gaps-remain-experts-ws-el-19863398.htm\" target=\"_blank\" rel=\"noopener\">Insurance ownership<\/a> stands at 26%, mainly health, life and accident policies, while 73% expressed willingness to use formal credit for needs such as healthcare, education and small businesses.<\/p>\n<p>Parallel trends in travel suggest that women are influencing discretionary spending patterns as well.<\/p>\n<p>Data from travel platform Pickyourtrail indicates that women travellers are planning international trips earlier and allocating larger budgets, with 32% booking trips six months in advance and another 23% confirming plans roughly four months ahead. Average spending ranges between \u20b970,000 and \u20b91 lakh per person, with women spending 18\u201322% more per day compared with other traveller segments and showing rising interest in personalised itineraries and experiential travel.<\/p>\n<p>Insights from travel-fintech platform Scapia also highlight a surge in independent travel behaviour. Solo travel among women has increased nearly nine-fold year-on-year on its platform, while Southeast Asia and the Indian subcontinent together account for over 60% of outbound trips due to factors such as proximity and visa ease.<\/p>\n<p>Industry tracker Cleartrip reports similar behavioural shifts. Its PeekABoo travel trends tracker shows all-women international group travel rising nearly 36% year-on-year, alongside stronger digital payment adoption, including a 40% increase in UPI usage and a 17% rise in credit card transactions for travel bookings.<\/p>\n<p>Women travellers are also spending more on comfort and convenience, with pre-booked meals rising 34%, seat selections increasing 23.7%, and baggage add-ons growing 33.2%, according to the tracker.<br \/>&#13;\n<\/p>\n<p data-start=\"333\" data-end=\"489\">Within this broader shift in travel spending, hospitality players say wellness-focused experiences are emerging as a key priority for many women travellers.<\/p>\n<p data-start=\"4576\" data-end=\"4665\">Rachit Gupta, Vice President and Head \u2013 Marketing &amp; Sales at Athiva Hotels &amp; Resorts, said many women travellers are planning trips around restorative experiences.<\/p>\n<p>\n\u201cWhat strikes us most is that women arrive with clear intent: they want experiences that restore them physically, mentally, and emotionally, and they plan their travel specifically around that outcome,\u201d he said.<\/p>\n<p>Regional demand patterns are also emerging.<\/p>\n<p>Arjun Baljee, Founder of ICONIQA and President at Royal Orchid Hotels, said destinations such as Haridwar, Dehradun and Mussoorie have seen rising usage of wellness services.<\/p>\n<p>\n\u201cIn the NCR and Uttarakhand regions, destinations such as Haridwar, Dehradun and Mussoorie have seen a noticeable increase in women using wellness services, with utilisation rising from around 5\u20138% earlier to nearly 15% now,\u201d he said.<\/p>\n<p>However, he noted that price sensitivity continues to shape choices, with many travellers opting for individual wellness services such as spa therapies rather than full-scale luxury retreats.<\/p>\n<p>Meanwhile, shorter trips and business travel are also influencing wellness preferences.<\/p>\n<p>Bhavna Mishra Nanda, Director of Marketing for the Holiday Inn Express portfolio at IHG Hotels &amp; Resorts, said many travellers prioritise routine-based wellness during work trips.<\/p>\n<p>\u201cToday\u2019s women travellers want to maintain their lifestyle while on the move, whether that means fitting in a workout before meetings, accessing nutritious breakfast options without inconvenience, or working seamlessly from their rooms with reliable, high-speed connectivity,\u201d she said.<\/p>\n<p>Safety considerations are also shaping travel decisions.<\/p>\n<p>\u201cWomen travellers are increasingly prioritising well-lit premises, secure access, attentive staff, and an environment that allows them to travel and work with confidence. A strong sense of security is no longer an added advantage; it is a decisive factor.\u201d<\/p>\n<p>From a luxury hospitality perspective, wellness travel reflects a broader shift toward restorative breaks.<\/p>\n<p>Candice D\u2019Cruz, Vice President for Luxury Brands in Asia Pacific at Hilton, said travellers are seeking experiences that support both physical and emotional wellbeing.<\/p>\n<p>\u201cTravel is becoming a deliberate act of restoration and renewal,\u201d she said.<\/p>\n<p>Resort operators are also seeing higher participation from women-led groups.<\/p>\n<p>Harsv Manu Kaushik, General Manager at Jaypee Greens Golf &amp; Spa Resort, said the property has recorded more bookings from women travellers seeking integrated wellness programmes that combine spa therapies, meditation and structured fitness routines.<\/p>\n<p>Meanwhile, holistic wellness providers say the definition of self-care is expanding.<\/p>\n<p>Mini Chandran, Head \u2013 Strategic Alliances &amp; Product Development at CGH Earth Wellness, said many women travellers are now seeking experiences that go beyond traditional spa breaks.<br \/>&#13;\n<\/p>\n<p data-start=\"4894\" data-end=\"5170\">\u201cIn 2026, women are shaping the wellness travel narrative. Their journeys are no longer just about relaxation; they are deeply intentional,\u201d she said, adding that interest is growing in Ayurveda, naturopathy, yoga, meditation and nature-based wellness programmes.<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.cnbctv18.com\/personal-finance\/how-rising-financial-independence-reshaping-women-spending-habits-ws-el-19863660.htm\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indian women are strengthening their role in household financial management while also emerging as a major force in discretionary spending such as travel and wellness, according to insights from industry surveys. The PayNearby Women Financial Index 2026, released by PayNearby, shows that 85% of women surveyed act as the primary savers in their households, highlighting&#8230;<\/p>\n","protected":false},"author":1,"featured_media":28755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[],"class_list":["post-28754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/28754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=28754"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/28754\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/28755"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=28754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=28754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=28754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}