Market experts noted that in December, Indian mutual fund investors demonstrated a mature approach by strategically utilizing debt funds for liquidity while maintaining long-term investments in equities and diversified products for wealth creation. This trend showcases the growing sophistication among mutual fund investors in India. The industry’s net asset under management (AUM) for December totaled Rs 80,23,378.99 crore, slightly lower than November’s figure of Rs 80,80,369.52 crore. Kartik Jain, MD and CEO of Shriram AMC, attributed the net outflows of around Rs 66,500 crore in December to seasonal rebalancing rather than a shift in investor sentiment towards debt funds.
The significant inflows into Flexi Cap funds indicate a rising trend where investors are entrusting asset allocation decisions to fund managers amidst uncertain global signals. As per AMFI data, Systematic Investment Plan (SIP) assets reached Rs 16.63 lakh crore in December, constituting 20.7% of total mutual fund assets. Viraj Gandhi, CEO of SAMCO Mutual Fund, highlighted a notable increase in SIP collection to a record high of Rs 31,000 crore in December, reflecting a 5% surge from the previous months. This surge underscores investors’ confidence in the mutual fund industry.
Moreover, the SIP contribution for December hit an all-time high of Rs 31,001.67 crores, with the number of contributing SIP accounts reaching 9,78,99,703. Conversely, the rally in bullion metals like gold and silver has diverted some equity-related flows from the mutual fund segment. Gold and other ETFs are experiencing significant inflows due to the strong performance of gold in recent times. The total Mutual Fund Folios as of December 2025 stood at 26,12,53,836, with a net addition of 26.40 lakh folios during the month. Retail MF Folios, including Equity, Hybrid, and Solution Oriented Schemes, saw a rise to 20,27,86,198 in December compared to 20,15,85,661 in November. Retail AUM for these schemes amounted to Rs 47,35,764 crores in December.
