SIP contributions stood at ₹29,845 crore in February 2026, marking a 14.79% increase from ₹25,999 crore in February 2025, reflecting continued participation from retail investors.
However, on a month-on-month basis, contributions declined 3.73% from ₹31,002 crore in January 2026.
The number of contributing SIP accounts rose to 9.44 crore, up from 8.26 crore a year earlier, indicating sustained growth in investor participation. Total outstanding SIP accounts also increased to 10.45 crore, compared with 10.17 crore in February 2025.
Assets under management through SIPs stood at ₹16.64 lakh crore, accounting for about 20.29% of the mutual fund industry’s total assets, according to the analysis based on data from Association of Mutual Funds in India.
While SIP assets saw a marginal moderation, the report attributed this largely to mark-to-market corrections amid market fluctuations rather than a fall in investor interest.
Overall, the data suggests that SIPs maintained a steady growth trajectory at the start of 2026, supported by disciplined long-term investing behaviour among retail investors even during periods of short-term market swings.
Industry data also indicates that retail investors in India have increasingly turned to mutual funds—particularly equity-oriented schemes and SIPs—as a preferred long-term savings and investment avenue, driven by structural and behavioural shifts in household financial savings.