Mutual fund investments through systematic investment plans (SIPs) surged to a record ₹3.34 lakh crore in 2025, underscoring growing investor preference for disciplined, long-term wealth creation, according to data from the Association of Mutual Funds in India (AMFI).
The latest inflows mark a sharp rise from ₹2.68 lakh crore in 2024 and ₹1.84 lakh crore in 2023. Industry executives said the trend reflects sustained investor confidence and a willingness to use market corrections as opportunities to invest rather than react to short-term volatility.
“The data suggests that investors have consistently used market corrections to invest more. Total SIP contributions of ₹3.34 lakh crore in calendar year 2025 reflect long-term intent and confidence, not short-term speculation,” said Feroze Azeez, Joint CEO of Anand Rathi Wealth.
SIPs continued to form the backbone of mutual fund inflows during the year. Monthly contributions remained above ₹29,000 crore in September, October, and November, before rising to an all-time high of ₹31,000 crore in December.
Market participants said SIPs have gained popularity as they enable rupee cost averaging and promote disciplined investing, allowing investors to remain invested without attempting to time the markets.
A. Balasubramanian, Managing Director and CEO of Aditya Birla Sun Life AMC, said sustained SIP investments despite global uncertainty and market fluctuations point to rising financial awareness among investors. “It reflects a maturing investor base that is committed to long-term investing,” he said.
Overall, net inflows into equity-oriented mutual fund schemes stood at ₹3.8 lakh crore in 2025, supported by strong SIP contributions and continued confidence in India’s long-term growth prospects.
The robust inflows helped lift the mutual fund industry’s assets under management (AUM) by 21%, from ₹67 lakh crore at the end of 2024 to ₹80.23 lakh crore by the end of December 2025.
AMFI Chief Executive Officer Venkat Chalasani said the industry outlook remains positive, with steady SIP inflows helping offset foreign portfolio investor outflows and strengthening market resilience. “Systematic investing continues to be a strong anchor for flows, providing stability during periods of uncertainty,” he said.
SIPs allow investors to invest a fixed amount at regular intervals, such as monthly, rather than making lump-sum investments. Instalments can start as low as ₹250 per month.