This study explores the significant influence of gender on investment behavior and risk tolerance among young individuals aged 18 to 30 in Navi Mumbai. As the Indian financial landscape shifts from traditional savings toward active market participation, understanding the behavioral nuances of the younger generation becomes vital. Utilizing a descriptive research design and a quantitative survey of 150 respondents, the research examines how psychological biases, such as overconfidence in men and loss aversion in women, shape portfolio choices. Findings indicate that while young investors are increasingly tech-savvy and reliant on digital platforms, gender-specific disparities persist due to social conditioning and varying levels of financial confidence. Men frequently demonstrate a higher inclination toward aggressive, high-risk assets like equities, whereas women often prioritize capital preservation and financial security. The study highlights the critical role of financial literacy as a mediator for these differences and suggests that targeted, gender-inclusive educational programs are necessary to empower all young investors. Ultimately, the research provides localized insights for financial advisors and policymakers to better cater to the diverse needs of Navi Mumbai’s emerging investor class. Keywords: Investment Behavior, Gender Dynamics, Risk Tolerance, Behavioral Finance, Young Investors, Navi Mumbai.