Long-Term SIPs Dominate: Over 30% of AUM, Worth ₹16.36 Lakh Crore, Comes from 5+ Year Investments

Recent data from the mutual fund industry reveals that the total SIP AUM in January 2026 stands at ₹16.36 lakh crore. A significant portion, 30.7%, is derived from SIPs that have been running for more than 5 years, showing a commitment from long-term investors. 

Distribution of SIP AUM Across Tenures 

The data showcases the distribution of SIP AUM across various investment durations. SIPs that are over 5 years old account for ₹5,02,286.53 crore or 30.7% of the total AUM. SIPs within the span of 4-5 years contribute ₹1,27,923.14 crore, representing a 7.8% share. The 3-4 year category holds ₹1,69,482.88 crore or 10.4%, while 2-3 year SIPs form 13.3% of the total with ₹2,16,898.05 crore. 

The newer SIPs, between 1-2 years old, have an AUM of ₹2,65,330.23 crore, making up 16.2% of the total. Interestingly, SIPs less than 1 year old constitute 21.6%, translating to ₹3,54,161.25 crore. 

Direct and Regular Plan Comparisons 

In January 2026, direct plan SIP AUM reached approximately ₹3.80 lakh crore. Out of this, the largest share, 29.3%, comes from SIPs less than 1 year old. Older investments, running over 5 years, contribute 19.6% to the direct plan AUM. 

In contrast, regular plan SIPs reflect ₹12.59 lakh crore with a different distribution. Notably, SIPs over 5 years old form the largest section, at 34%. However, SIPs less than 1 year old make up 19.4% of the total, indicating a presence of newer investors. 

Read More: SIP Inflows Ease To ₹29,845 Crore in February 2026; Equity Segments Remain Resilient! 

Long-Term Investment Trends 

These figures indicate a trend towards sustained investment in SIPs, with long-term investors maintaining their holdings in both direct and regular plans. While new SIP entries are strong, the data shows a balanced contribution from both persistent and new investors, reinforcing the attractiveness of SIPs as a long-term wealth building strategy. 

Conclusion 

SIP AUM amounting to ₹16.36 lakh crore demonstrates a healthy mix of long-term and new investor participation. This distribution underlines the value attributed by investors to systematic investment plans as a viable means to build wealth over time. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.