India SIP Inflows Hit Record ₹3.34 Lakh Crore, Boosting Mutual Fund Assets

Mutual fund investments through systematic investment plans (SIPs) surged to a record ₹3.34 lakh crore in 2025. This significant inflow underscores a growing investor preference for disciplined, long-term wealth creation, according to Association of Mutual Funds in India (AMFI) data.

The latest figures mark a substantial increase from ₹2.68 lakh crore in 2024 and ₹1.84 lakh crore in 2023. Industry executives attribute this trend to sustained investor confidence and a willingness to leverage market corrections as investment opportunities rather than reacting to short-term volatility.

Investor Confidence Soars

"The data suggests that investors have consistently used market corrections to invest more," stated Feroze Azeez, Joint CEO of Anand Rathi Wealth. "Total SIP contributions of ₹3.34 lakh crore in calendar year 2025 reflect long-term intent and confidence, not short-term speculation."

Monthly SIP contributions remained robust, consistently exceeding ₹29,000 crore in September, October, and November, before climbing to an all-time high of ₹31,000 crore in December. Market participants emphasize that SIPs popularity stems from their ability to facilitate rupee cost averaging and promote consistent investment habits, helping investors stay the course without attempting to time market movements.

SIPs Drive Industry Growth

"Sustained SIP investments despite global uncertainty and market fluctuations point to rising financial awareness among investors," noted A. Balasubramanian, Managing Director and CEO of Aditya Birla Sun Life AMC. "It reflects a maturing investor base that is committed to long-term investing."

Overall, net inflows into equity-oriented mutual fund schemes reached ₹3.8 lakh crore in 2025, bolstered by strong SIP contributions and continued faith in India’s long-term economic trajectory. This robust inflow helped the mutual fund industry's assets under management (AUM) grow by 21%, from ₹67 lakh crore at the close of 2024 to ₹80.23 lakh crore by December 2025.

AMFI Chief Executive Officer Venkat Chalasani expressed a positive industry outlook, citing steady SIP inflows as a critical factor in offsetting foreign portfolio investor (FPI) outflows and enhancing market resilience. "Systematic investing continues to be a strong anchor for flows, providing stability during periods of uncertainty," he said. SIPs enable investors to contribute fixed amounts at regular intervals, such as monthly, as an alternative to lump-sum investments, with instalments starting as low as ₹250 per month.