SIP Growth Trends FY 2024-25: Small-Ticket Investments Double, Shows SEBI Report

The Securities and Exchange Board of India (SEBI), in its FY 2024-25 Annual Report, has highlighted a strong surge in mutual fund SIP folios, with a remarkable rise in small-ticket investments. Notably, SIPs under ₹500 more than doubled year-on-year, signalling increased retail participation, financial inclusion, and the deepening of the mutual fund ecosystem across income brackets.

Small-Ticket SIPs (< ₹500) See 106% Jump

The standout trend in SEBI’s latest data is the sharp rise in SIP folios with monthly investments of less than ₹500. These folios rose from 54.02 lakh in FY 2023-24 to 1.11 crore in FY 2024-25, marking a surge of 57.49 lakh folios or 106%. This growth reflects the broader acceptance of mutual funds among first-time investors and those from tier-2 and tier-3 cities.

Moderate SIP Bands Maintain Healthy Growth

Folios in the ₹501 to ₹1,000 range grew marginally by 1%, increasing from 3.17 crore to 3.19 crore. The ₹1,001 to ₹3,000 band witnessed a 19% rise, adding 53.43 lakh folios to reach 3.33 crore. Similarly, SIPs between ₹3,001 and ₹5,000 grew 27%, rising from 1.10 crore to 1.40 crore folios.

The ₹5,001 to ₹10,000 category expanded by 28%, growing from 45.99 lakh to 58.73 lakh folios. Lastly, the ₹10,001 and above band increased by 24%, reaching 27.94 lakh folios from 22.60 lakh in the previous year.

Read More: SIP Calculator: How You Can Build ₹1 Crore Corpus in 10 Years via SIP?

Overall Trend: Broader and Balanced SIP Participation

The data reflects a balanced expansion across all SIP bands, but the doubling of SIPs below ₹500 clearly stands out. It indicates that mutual fund penetration is widening to include lower-income and new-to-market investors. At the same time, steady growth in higher ticket-size bands points to consistent participation by existing and more affluent investors.

Conclusion

SEBI’s FY 2024-25 Annual Report shows a robust and inclusive expansion in SIP folios across all investment categories. The dramatic 106% jump in sub-₹500 SIPs reflects growing financial literacy, wider digital reach, and trust in mutual fund investments across India’s diverse investor base.

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