Daijiworld Media Network - Mumbai

Mumbai, Dec 27: Systematic Investment Plans (SIPs) have hit a new milestone in 2025, with annual cumulative inflows crossing the Rs 3 trillion mark for the first time, according to data from the Association of Mutual Funds in India (Amfi). Despite market volatility, investors continue to prefer the disciplined, staggered investment route.

Up to November 2025, investors pumped in Rs 3.04 trillion through SIPs, up from Rs 2.69 trillion in the entire 2024. Monthly inflows stood at Rs 29,445 crore, compared to Rs 25,320 crore in November 2024. Venkat Chalasani, CEO of Amfi, said, “SIPs have emerged as the preferred long-term wealth-building habit, helping investors maintain discipline through market fluctuations.”

ICRA Analytics noted that SIP assets under management reached Rs 16.53 trillion by November, accounting for over 20% of the industry’s total AUM of Rs 80.8 trillion, up from Rs 68 trillion in November 2024. With this trajectory, the industry is expected to cross Rs 100 trillion in the coming years and potentially surpass Rs 300 trillion by 2035, driven by digital adoption, increased participation from Gen Z and women, and long-term investing habits.

Active equity schemes remain the primary beneficiary of SIP inflows, cornering 80% of the total SIP investments. While lump-sum inflows fell from Rs 5.9 trillion in 2024 to Rs 3.9 trillion this year, SIP inflows into active equity schemes rose 3% to Rs 2.3 trillion. This led to SIPs accounting for 37% of gross inflows into active equity schemes in the first 10 months of 2025, up from 27% in 2024.

Despite a slight drop in the number of active SIP accounts to 100 million from 103 million in December 2024—due to market corrections and a data cleanup exercise—SIPs continue to play a pivotal role in deepening equity participation and driving long-term asset accumulation.