Investors have poured more than Rs 3 lakh crore into mutual fund schemes through Systematic Investment Plans (SIPs) by November, marking a historic first for a single calendar year.
According to data from the Association of Mutual Funds in India (AMFI), SIP inflows reached Rs 3.04 trillion (lakh crore) for the first time in the calendar year, surpassing the Rs 2.69 trillion recorded in 2024.
Growing Investor Confidence In SIPs
The surge in SIP inflows is attributed to investors placing greater trust in the incremental investment method amidst market volatility, which helped offset a decline in lump-sum investments.
AMFI data reveals that lump-sum investments in active equity schemes stood at Rs 3.9 trillion up to October 2025, down from Rs 5.9 trillion a year earlier. In contrast, SIP investments in active equity schemes during the same period rose by 3 per cent to Rs 2.3 trillion.
“SIPs have emerged as India’s preferred long-term wealth-building habit, helping investors maintain discipline during market volatility while consistently deepening equity participation across market cycles,” said Venkat Chalasani, Chief Executive of AMFI.
SIP Share At 37 Per cent In First 10 Months
In the first 10 months of 2025, SIPs accounted for 37 percent of total inflows into active equity schemes, up from 27 per cent in 2024. Active equity schemes attracted approximately 80 per cent of the total SIP flows.
SIP inflows remained nearly stable in November at Rs 29,445 crore, slightly lower than the Rs 29,529 crore recorded in October. Despite this marginal dip, overall investor participation in mutual funds remained robust during the month.
Net equity inflows saw 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 (AUM) also grew, reaching Rs 80.80 lakh crore compared to Rs 79.87 lakh crore in the previous month.
“This month’s flows reflect a positive risk appetite supported by domestic liquidity, strong and consistent retail SIP participation, and optimism regarding India’s medium-term economic and corporate earnings outlook,” noted market experts.