Streptococcus pneumoniae infections remain a significant public health concern, and understanding the baseline functional antibody titer is vital for enhancing vaccination strategies. However, this has not been comprehensively investigated within healthy adult cohorts in India. To address this gap, we investigated the naturally acquired functional antibody titers against 24 vaccine (PPV23 and PCV13) serotypes in 94 healthy adults aged 18 to 65 by multiplexed opsonophagocytic assay. Of the 24 serotypes examined, 12 had geometric mean titers (GMTs) of opsonization index (OI) < 64. The remaining serotypes showed GMTs ranging from 65 to 100 (8, 19A, and 22F), 100 to 200 (9V, 10A, 11A, and 20B), and over 350 (6B, 9N, 14, 17F, and 33F). Statistical analysis revealed 5 serotypes (9N, 14, 17F, 20B, and 33F) had significantly higher GMTs than others. Additionally, 17 serotypes displayed higher GMTs in females compared to males. These results suggest that while serotype-specific GMTs were within the protective range (≥64 GMTs of OI), over half of the individuals had non-protective OI titers against 14 serotypes (9 PCV13 and 5 non-PCV13). This underscores the need for further investigation of naturally acquired antibody titers with larger sample sizes to determine the necessity of adult pneumococcal immunizations to mitigate the disease burden.