Have SIP Inflows Exceeded Rs 3 Lakh Crore in 2025?
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Synopsis
Record-breaking SIP inflows in India exceed Rs 3 lakh crore for the first time in 2025, showcasing a growing trend among investors to adopt systematic investing amidst market volatility. This shift highlights the resilience of the mutual fund sector and reflects a positive outlook for India's economic future.
Key Takeaways
- SIP inflows surpassed Rs 3 lakh crore for the first time in 2025.
- Active equity schemes saw a decline in lump-sum investments.
- SIPs represented 37% of gross inflows into active equity schemes.
- Net equity inflows increased to Rs 29,894 crore in November.
- Total assets under management reached Rs 80.80 lakh crore.
New Delhi, Dec 27 (NationPress) Investors have invested over Rs 3 lakh crore into mutual fund schemes via systematic investment plans (SIPs) until November, marking a historic first in a calendar year.
According to data from the Association of Mutual Funds in India (AMFI), SIP inflows reached Rs 3.04 trillion for the first time, an increase from Rs 2.69 trillion in 2024.
This surge in SIP inflows reflects a growing reliance on this structured investment approach amidst market fluctuations, which has mitigated a decline in lump-sum investments.
Lump-sum investments in active equity schemes were recorded at Rs 3.9 trillion as of October 2025, a drop from Rs 5.9 trillion the previous year, while SIP investments in active equity schemes increased by 3% to Rs 2.3 trillion during the same timeframe, as per AMFI data.
“SIPs have established themselves as India’s favored strategy for long-term wealth accumulation, enabling investors to uphold discipline through market uncertainties while enhancing equity participation across various market cycles,” stated Venkat Chalasani, CEO of AMFI.
SIPs constituted 37% of gross inflows into active equity schemes in the first ten months of 2025, a rise from 27% in 2024, with active equity schemes attracting approximately 80% of total SIP inflows.
In November, SIP inflows remained relatively stable at Rs 29,445 crore, slightly down from Rs 29,529 crore in October.
Despite this slight decrease, overall investor engagement in mutual funds remained robust throughout the month.
Net equity inflows experienced a significant rise, reaching Rs 29,894 crore in November, compared to Rs 24,671 crore in October.
The total assets under management in the industry also increased, reaching Rs 80.80 lakh crore compared to Rs 79.87 lakh crore the previous month.
“The inflows for the month highlight a positive risk appetite, bolstered by substantial domestic liquidity, strong and consistent retail SIP participation, and optimism regarding India’s medium-term economic and corporate earnings prospects,” remarked market analysts.
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Point of View
I observe that the surge in SIP inflows reflects a broader trend of stability and confidence among Indian investors. This ongoing commitment to systematic investing, even in uncertain markets, suggests a maturing investment culture that aligns well with India's economic growth trajectory. The resilience shown by retail investors is commendable and indicates a positive outlook for the mutual fund sector.
NationPress
05/01/2026
Frequently Asked Questions
What are SIPs?
SIPs, or Systematic Investment Plans, are investment vehicles that allow investors to invest a fixed amount regularly in mutual funds, promoting disciplined investing.
How much have SIP inflows reached in 2025?
SIP inflows exceeded Rs 3 lakh crore in 2025, marking a historic first for this investment method in India.
Why are investors choosing SIPs?
Investors are increasingly opting for SIPs due to their ability to provide a structured investment approach, which helps mitigate risks associated with market volatility.
What impact do SIPs have on the mutual fund industry?
SIPs significantly contribute to the mutual fund industry's growth by providing consistent inflows, enhancing liquidity, and fostering long-term wealth creation.
How do SIPs compare to lump-sum investments?
SIPs allow investors to spread their investments over time, reducing the risk of market timing, whereas lump-sum investments require a larger initial capital and are more susceptible to market fluctuations.
