SIP inflows surpassed Rs 3 lakh crore for the first time in 2025, according to AMFI data; even in a falling market, large investments were made.

News Topical, Digital Desk : Investors have pumped in over Rs 3 lakh crore in mutual fund schemes through Systematic Investment Plans (SIPs) till November, a first in a calendar year. SIP inflows reached Rs 3.04 trillion (lakh crore) for the first time in a calendar year, up from Rs 2.69 trillion in 2024, according to data from the Association of Mutual Funds in India (AMFI).

Investors have more faith in SIP

This increase in SIP inflows came as investors increasingly relied on a gradual investment approach amid market volatility, offsetting a decline in lump-sum investments.

AMFI data showed that lump-sum investments in active equity schemes stood at ₹3.9 trillion as of October 2025, down from ₹5.9 trillion a year ago, while SIP investments in active equity schemes grew 3 percent to ₹2.3 trillion during the same period.

"SIPs have emerged as India's preferred long-term wealth-building habit, helping investors maintain discipline during market volatility while consistently deepening equity participation across market cycles," said AMFI Chief Executive Venkat Chalasani.

SIP share 37% in the first 10 months

In the first 10 months of 2025, SIPs accounted for 37% of total inflows into active equity schemes, up from 27% in 2024, with active equity schemes receiving nearly 80% of total SIP flows.

SIP inflows remained nearly stable in November, at ₹29,445 crore, slightly lower than the ₹29,529 crore recorded in October.

Despite this slight decline, overall investor participation in mutual funds remained strong during the month.

Net equity inflows saw a significant increase, rising from ₹24,671 crore in October to ₹29,894 crore in November.

The industry's total assets under management also increased, reaching ₹80.80 lakh crore compared to ₹79.87 lakh crore in the previous month.

"This month's flows reflect a positive risk appetite supported by domestic liquidity, strong and consistent retail SIP participation, and optimism about India's medium-term economic and corporate earnings outlook," market experts said.

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