SIP Inflows Surpass ₹3 Trillion for the 1st Time in 2025

Investments into mutual fund schemes through systematic investment plans (SIPs) crossed ₹3 trillion in 2025, marking the highest annual contribution recorded so far.  

Data from the Association of Mutual Funds in India (AMFI) shows SIP inflows reached ₹3.04 trillion as of November 2025. This compares with ₹2.69 trillion in the full year of 2024 and ₹1.84 trillion in 2023.  

Long-Term Rise in SIP Contributions 

SIP inflows have increased steadily over the past 5 years across scheme categories. Contributions stood at ₹1.14 trillion in 2021 and rose to ₹1.49 trillion in 2022, before crossing ₹2 trillion in 2024.  

The 2025 figure represents the 1st instance of SIP inflows exceeding ₹3 trillion within a calendar year. The data covers investments across equity, debt, and hybrid schemes. 

Shift in Equity Investment Mix 

Gross equity inflows reflect a change in investor allocation patterns in 2025. Lump-sum investments into active equity schemes declined to ₹3.87 trillion as of October, from ₹5.85 trillion in the same period last year.  

SIP investments into active equity schemes increased marginally to ₹2.27 trillion from ₹2.20 trillion. As a result, total gross equity inflows fell to ₹6.14 trillion from ₹8.05 trillion a year earlier. 

SIP Share in Equity Inflows Rises 

With lump-sum investments slowing, SIPs formed a larger portion of equity inflows. SIPs accounted for 37% of gross equity inflows during the 1st 10 months of 2025, compared with 27% in 2024. Active equity schemes continued to receive the bulk of systematic investments, accounting for about 80% of total SIP inflows during the period. 

Active Account Count Declines 

The increase in contribution value occurred even as the number of active SIP accounts fell. Active accounts stood at around 100 million in November 2025, lower than 103 million in December 2024. The decline followed a market correction earlier in the year and a one-time data clean-up exercise by fund houses that removed inactive accounts. 

Growing Share in Total Assets 

SIP assets under management reached ₹16.53 trillion by November 2025, according to ICRA Analytics. This represents more than 20% of the mutual fund industry’s total assets under management. The share has increased alongside the rise in annual SIP inflows. 

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Conclusion 

The 2025 figures point to higher SIP contributions despite lower lump-sum inflows and a fall in active accounts, showing a continued preference for staggered investments within mutual funds. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/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.   
 
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