SIP Boom vs Debt Surge: India’s Middle Class Walks a Tightrope

India’s equity culture is deepening as millions of salaried households commit to SIPs, often with monthly contributions of Rs 10,000–15,000. October 2025 saw inflows of Rs 29,529 crore, with November provisionally at Rs 30,100 crore, according to AMFI data. This reflects confidence in long-term wealth creation. However, the same households are burdened by rising credit card bills, EMIs, and personal loans. Analysts warn that while SIPs build assets, unchecked borrowing could erode financial stability. The duality highlights both sophistication and fragility in India’s middle-class finances.  

Notable updates  
• SIP inflows touched Rs 29,529 crore in October 2025; November provisional Rs 30,100 crore  
• Household debt has risen sharply, now at 42% of GDP  
• Credit card dues and home loan EMIs weigh heavily on middle-class families  
• Equity participation signals maturity, but liabilities outpace asset growth  
• Experts urge balancing investments with prudent debt management  

Major takeaway  
India’s middle class is simultaneously building wealth through SIPs and piling up debt. The challenge lies in sustaining disciplined investing while curbing over-leverage to ensure long-term financial resilience.  

Sources: Times Now, Times of India, Newsd