SIP Surge Continues: Monthly Inflows Double In Three Years

Indian savers are increasingly turning to SIPs as their preferred route to equity investing, reflecting maturity in investor behavior amid market volatility. According to Economic Times and Mint reports, monthly SIP inflows have risen from around Rs 10,000 crore in FY22 to over Rs 28,000 crore in FY26. This surge is driven by robust equity fund returns, consistent participation, and the appeal of disciplined investing compared to lump-sum allocations.  

Key Highlights  

• Monthly SIP inflows reached Rs 28,202 crore in December 2025  
• Flows have more than doubled in three years, from Rs 10,000 crore in FY22  
• Over 10 crore SIP accounts active as of December 2024, up from 5.2 crore in FY22  
• Cumulative SIP inflows since inception crossed Rs 10.9 lakh crore  
• Investor preference for systematic investing remains strong despite high equity valuations  
• SIP assets under management have expanded significantly, reflecting long-term confidence  

Final Takeaway  
The doubling of SIP inflows underscores the resilience of retail investors and their growing trust in systematic investing. With equity valuations elevated, SIPs continue to provide a disciplined pathway for wealth creation, reinforcing their role as a cornerstone of India’s mutual fund industry.  

Sources: Economic Times, Mint, Value Research