Daijiworld Media Network - Mumbai
Mumbai, Dec 28: Systematic Investment Plans (SIPs) have achieved a historic milestone in 2025, with annual cumulative inflows crossing the Rs 3 trillion mark for the first time, according to the latest data from the Association of Mutual Funds in India (Amfi).
Investors have pumped in Rs 3.04 trillion into mutual fund schemes through SIPs until November, up from Rs 2.69 trillion in 2024. Monthly SIP inflows stood at Rs 29,445 crore in November 2025, rising from Rs 25,320 crore in the same month last year.
“SIPs have emerged as the preferred long-term wealth-building habit, helping investors maintain discipline through market volatility while steadily deepening equity participation across market cycles,” said Venkat Chalasani, CEO of Amfi.
Icra Analytics noted that SIP assets under management (AUM) reached Rs 16.53 trillion, accounting for over 20.3% of the industry’s total AUM. The mutual fund industry’s overall AUM stood at Rs 80.8 trillion in November 2025, up from Rs 68 trillion in November 2024, marking an 18.7% year-on-year growth. The industry has nearly tripled over the past five years, posting an annual growth of 21.91%.
“With digital adoption, rising participation from Gen Z, women, and households in smaller towns, and a shift towards long-term investing through SIPs, the industry is well-positioned to cross the Rs 100-trillion mark in the coming years and surpass Rs 300 trillion by 2035,” the Icra report said.
While lump-sum inflows fell to Rs 3.9 trillion as of October 2025 from Rs 5.9 trillion last year, SIP investments into active schemes rose 3% to Rs 2.3 trillion. SIPs accounted for 37% of gross inflows into active equity schemes in the first 10 months of 2025, up from 27% in 2024, with 80% of total SIP inflows directed to equity schemes.
Despite robust growth in flows, the number of active SIP accounts dropped slightly to 100 million in November 2025 from 103 million in December 2024, due to a market correction and a one-time data cleanup exercise by fund houses.
The rising inflows have further increased SIPs’ share in the industry’s total assets under management, highlighting their pivotal role in long-term wealth creation in India.