Investors have contributed more than Rs 3 lakh crore to mutual fund schemes through systematic investment plans (SIPs) until November this year, marking a first in a calendar year. Data from the Association of Mutual Funds in India (AMFI) revealed that SIP inflows in 2025 reached Rs 3.04 trillion, surpassing the previous year’s Rs 2.69 trillion.
The surge in SIP inflows reflects a growing reliance on staggered investments amidst market volatility, compensating for a decline in lump-sum investments. While lump-sum investments in active equity schemes dropped to Rs 3.9 trillion by October 2025 from Rs 5.9 trillion a year earlier, SIP investments in the same category rose by 3% to Rs 2.3 trillion during the same period, as per AMFI data.
Venkat Chalasani, the CEO of AMFI, highlighted that SIPs have become India’s favored long-term wealth-building practice, aiding investors in maintaining discipline during market fluctuations and enhancing equity participation consistently across market cycles. SIPs constituted 37% of total inflows into active equity schemes in the first ten months of 2025, up from 27% in 2024, with these schemes attracting roughly 80% of total SIP flows.
In November, SIP inflows remained relatively stable at Rs 29,445 crore, slightly lower than the Rs 29,529 crore recorded in October. Despite this slight decline, overall investor engagement in mutual funds remained robust during the month. Net equity inflows witnessed a healthy increase, rising to Rs 29,894 crore in November from Rs 24,671 crore in October.
The industry’s total assets under management expanded, reaching Rs 80.80 lakh crore compared to the previous month’s Rs 79.87 lakh crore. Market experts noted that the month’s flows indicated a positive risk appetite, supported by strong domestic liquidity, consistent and strong retail SIP participation, and optimism regarding India’s medium-term economic and corporate earnings outlook.
