The Indian investment sector is undergoing rapid transformation, driven by technological advancements and evolving investor behavior. This study investigates the factors that influence the adoption and implementation challenges faced by investors in India's dynamic investment landscape. Utilizing a sample of 550 investors across India, representing a diverse range of demographics and investment experience, we employ structural equation Modelling (SEM) to examine the complex interplay between key constructs. This approach goes beyond traditional financial metrics by, incorporating critical behavioral and technological elements. This study expands the literature by introducing a comprehensive model of investing behavior in India, placing importance on the roles of trust, risk perception, knowledge, technology readiness, and established financial predictors. These findings are of enormous theoretical and practical value for banks, regulators, and policymakers to further explore financial inclusion and investor safety and to facilitate the adoption of new investment products in the fast-evolving Indian marketplace. Future research could explore the moderating role of demographic factors and the impact of specific regulatory initiatives on investor behavior.