#MutualFunds #SIPIndia #AUMGrowth #InvestorAwareness #T30B30 #MutualFundIndia #AMFI #FinancialInclusion #ARN #SIPInvestment #RetailInvestors #MFInsights #June2025Update
Mumbai: India’s mutual fund (MF) industry witnessed robust growth in June 2025, adding 4 lakh new investors and 30 lakh fresh folios, according to industry data accessed by Cafemutual. The surge highlights growing investor confidence amid stable equity markets and sustained SIP participation.
The number of unique investors in the MF ecosystem rose from 5.49 crore in May to 5.53 crore in June, while the number of folios increased from 23.83 crore to 24.13 crore, signaling broader retail participation across both urban and rural India.
The industry recorded a net inflow of ₹49,100 crore in June, a significant jump from ₹29,100 crore in May, underlining the momentum building in mutual fund investments, especially equity- and debt-linked schemes.
Urban-Rural Penetration: Growth Across T30 and B30
A closer look at geographical participation shows that both T30 (top 30 cities) and B30 (beyond top 30 cities) contributed significantly to the rise in assets and folios.
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T30 assets under management (AUM) rose by 3%, from ₹58.50 lakh crore in May to ₹60.20 lakh crore in June.
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B30 AUM grew at a faster clip of nearly 4%, moving from ₹13.70 lakh crore to ₹14.21 lakh crore.
In terms of folio additions:
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T30 folio count increased by 13 lakh, going from 12.43 crore to 12.56 crore.
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B30 folios rose by 17 lakh, from 11.40 crore to 11.57 crore, reflecting increasing adoption of mutual funds in semi-urban and rural regions.
The data reveals a positive trend toward deeper market penetration, aided by regulatory push, digital onboarding, and awareness initiatives across Tier 2 and Tier 3 cities.
Average AUM Per Folio Inches Up
The average AUM per folio — a key metric of investment maturity and depth — also improved during the month.
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In T30 cities, the average AUM per folio rose by 2%, from ₹2.67 lakh to ₹2.73 lakh.
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In B30 locations, it increased from ₹1.03 lakh to ₹1.05 lakh, marking another 2% gain.
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On a combined basis, the retail average AUM per folio (T30 + B30) rose 2.7%, from ₹1.88 lakh in May to ₹1.93 lakh in June.
This steady rise suggests that investors are increasing their contributions, staying invested for longer durations, and gaining from market appreciation.
SIPs Continue to Power Retail Investment
Systematic Investment Plans (SIPs), the cornerstone of India’s retail MF participation, showed impressive resilience and traction:
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The number of SIP accounts rose by 13.75 lakh, reaching 9.19 crore in June from 9.06 crore in May.
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During the month, the industry registered 61.91 lakh new SIPs, while 48.16 lakh were discontinued.
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SIP inflows increased by 2.2%, from ₹26,688 crore in May to ₹27,269 crore in June.
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The total SIP AUM climbed by 4.7%, reaching ₹15.31 lakh crore, up from ₹14.61 lakh crore.
These figures indicate that investors are not only starting new SIPs but also maintaining existing ones, a key factor in sustained capital flows into equity funds.
ARN Registrations Reflect Expanding Distributor Base
In a sign of growing distribution capacity, the industry saw 5,538 new AMFI Registration Numbers (ARNs) in June 2025.
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3,122 ARNs were registered by corporate employees and 2,213 by individuals.
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Corporate entities and partnership firms accounted for 197 and 195 registrations, respectively.
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Additionally, employees of individual mutual fund distributors (MFDs) made 5 registrations, and one registration each came from new cadre distributors, NBFCs, and banks.
In terms of state-wise share, Maharashtra led with 18.98% of all ARN registrations, followed by Gujarat (10.19%), Uttar Pradesh (9.87%), West Bengal (6.8%), and Tamil Nadu (6.1%).
Slight Dip in ARN Renewals
ARN renewals showed a marginal decline in June, with 6,972 renewals recorded compared to 7,315 in May.
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3,870 renewals were by individuals,
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2,925 by corporate employees,
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170 by corporates, and
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7 by employees of individual MFDs.
Despite the drop, the renewal numbers indicate continued distributor engagement and compliance.
Outlook
The mutual fund industry’s strong performance in June 2025 — across investor additions, folio growth, SIP expansion, and average AUM metrics — reflects rising retail confidence and improved financial literacy. With digital infrastructure, broader distributor networks, and increased Tier 2/Tier 3 adoption, the sector appears poised for sustained growth.
As SIPs become a household name and B30 markets become more financially active, the Indian mutual fund landscape is set to deepen further in the coming quarters.
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