Pocket SIP Investment Trend: LIC Mutual Fund Sees 300% Rise as Millennials, Gen Z Join

LIC Mutual Fund’s Pocket SIP scheme is redefining retail investing in India, witnessing a massive rise in popularity among first-time earners, especially millennials and Gen Z. Its low-cost entry model has opened the doors to wealth-building through systematic investment plans at just ₹100 per day or ₹250 per month.

Sharp Uptick in Pocket SIPs 

As of mid-September 2025, LIC Mutual Fund’s Pocket SIPs surged from under 350 accounts in 2024 to over 1,11,000, a stunning 300% jump in just 1 year. This dramatic rise is largely attributed to millennials and Gen Z investors who prefer affordable, accessible investment options. The Pocket SIP model appeals to users with limited earnings who want to enter the market with minimal risk and commitment.

Retail Participation Pushes LIC Mutual Fund’s Asset Base 

Retail investors now form 60% of LIC Mutual Fund’s total assets, which have grown by 160% to ₹44,000 crore in 2025. This marks a notable shift in ownership structure, reflecting not just widespread adoption but also rising financial literacy. Fintech platforms have further simplified investing, making Pocket SIPs easily manageable through mobile apps.

Read More: How ₹15,000 Monthly SIP Grows Over 10, 15, 20, and 30 Years!

Aiming for ₹1,00,000 Crore AUM by March 2026

Encouraged by the favourable response, LIC Mutual Fund is targeting Assets Under Management of ₹1,00,000 crore by March 2026. The key strategy involves accelerating monthly SIP registrations and strengthening digital presence to reach broader audiences. Future plans emphasise making financial tools more inclusive for India's young and dynamic investors.

Conclusion

Pocket SIPs have emerged as a financial gateway for young investors seeking low-barrier entries into wealth creation. LIC Mutual Fund’s exponential account growth and asset climb showcase the increasing confidence of Gen Z and millennials in structured investing.

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