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According to the report, between August 1996 and August 2025, SIP has generated a maximum return of 55.6 percent and a minimum return of -24.6 percent.
According to the report, between August 1996 and August 2025, SIP has generated a maximum return of 55.6 percent and a minimum return of -24.6 percent.
The Systematic Investment Plan (SIP) inflow in India increased 8 times in the past eight years to Rs 28,265 crore in August 2025 from Rs 3,497 crore in August 2016, according to a report of Whiteoak Capital. This continuous increase shows the growing confidence of people in SIP and disciplined investment, the report said.
According to the report, between August 1996 and August 2025, SIP has generated a maximum return of 55.6 percent and a minimum return of -24.6 percent. At the same time, the average return during this period has been 14-16 percent. According to the report, the longer your investment period in SIP, the more likely you are to get positive returns. It also said that good returns are obtained by staying invested for a longer period, not timing in the market.
If you start SIP even at a high level in the market and stay invested for a long time, then you can get good returns, it added.
For example, if an investor had started a monthly SIP of Rs 10,000 in January 2008, just before the global financial crisis, then his investment of Rs 21.2 lakh would have become Rs 75.23 lakh by August 2025 at an XIRR (extended internal rate of return) of about 13 percent.
The report said that on which date of the month the investor invests. This does not make much difference in returns in the long term. According to the report, over the long term, mid-caps have provided better average returns than the large-cap and small-cap categories in SIPs and it has been 17.4 percent, while it has been 13 percent for large-caps and 14.7 percent for small-caps.
Moderation In Equity Inflows In August
In a related news, the mutual fund industry witnessed a slowdown in equity inflows in August, with net investments slipping 21% month-on-month to Rs 33,430 crore, compared with Rs 42,702 crore in July and Rs 23,587 crore in June, according to the latest data from the Association of Mutual Funds in India (AMFI) released on September 10.
Despite the moderation, August marked the 54th straight month of positive equity flows, highlighting continued investor participation. However, the industry’s overall assets under management (AUM) edged lower to Rs 75.18 lakh crore, from Rs 75.35 lakh crore in July, though still higher than Rs 74.41 lakh crore in June, supported partly by mark-to-market gains.
The pace of new fund launches slowed during the month, with 23 open-ended schemes across categories mobilising Rs 2,859 crore, a sharp drop from Rs 30,416 crore raised by 30 schemes in July.
(With IANS Inputs)
Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More
Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More
September 14, 2025, 13:34 IST
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