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Mumbai — The Indian mutual fund industry has achieved a historic milestone, as the Assets Under Management (AUM) through Systematic Investment Plans (SIPs) crossed the ₹15 trillion mark for the first time in June 2025, according to the latest data released by the Association of Mutual Funds in India (AMFI). This feat has been achieved just 18 months after breaching the ₹10 trillion milestone, marking the fastest-ever ₹5 trillion jump in SIP assets — a testament to the robust retail investor participation and deepening mutual fund penetration across the country.
In June 2025 alone, the SIP book witnessed a record monthly inflow of ₹27,269 crore, marginally higher than ₹26,891 crore in May 2025. The number of SIP accounts also rose sharply, reaching an all-time high of 91.8 million, compared to 90.6 million in the previous month, showing consistent growth in investor trust and discipline in long-term wealth creation.
A Landmark in Financial Inclusion
The ₹15 trillion mark reflects how far SIPs have come since their humble beginnings. Just a decade ago, in June 2015, SIP AUM stood at under ₹1.5 trillion. The fact that it took only a year and a half to move from ₹10 trillion (achieved in December 2023) to ₹15 trillion indicates a paradigm shift in the investment behaviour of Indian households, which are now increasingly favouring market-linked instruments over traditional avenues like gold and real estate.
AMFI Chief Executive N S Venkatesh commented, “This milestone highlights the growing financial maturity of Indian investors. SIPs are no longer seen as niche instruments for the savvy few — they’ve become a core investment vehicle for millions of Indians across cities and towns.”
SIP Performance Trends and Market Participation
Retail investors have taken advantage of the Indian stock market’s strong performance in the last year. The Nifty 50 and Sensex have surged by over 20% since July 2024, driven by strong corporate earnings, sustained FII inflows, and macroeconomic stability. SIPs, being a disciplined mode of investing, have allowed investors to average out costs and benefit from rupee cost averaging during volatile market phases.
As per the AMFI data:
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The average SIP ticket size has also grown steadily to ₹2,970 in June 2025 from ₹2,710 a year ago, showing increased investor confidence.
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Top-performing equity and hybrid funds attracted the highest inflows, especially those in the flexi-cap, mid-cap, and small-cap categories.
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Tier-2 and Tier-3 cities accounted for nearly 40% of the new SIP registrations, reflecting broad-based geographical expansion.
Digital Adoption and Financial Awareness Driving the Growth
Experts attribute the rapid rise in SIP AUM to a mix of digital transformation, regulatory reforms, and heightened awareness post-COVID. The rise of fintech platforms, seamless UPI-linked investing, and demat account integration has simplified the investment journey for first-time investors. Asset management companies (AMCs) have also aggressively conducted investor education campaigns focused on the benefits of SIPs — such as compounding, long-term discipline, and diversification.
Moreover, SEBI’s push for simplified disclosures, cost transparency, and direct plan adoption have improved investor trust in mutual funds.
SIP Book vs. Market Volatility
Despite short-term volatility in global markets due to geopolitical tensions, inflationary pressures, and rate uncertainties in the US and EU, Indian investors have shown remarkable resilience. The month-on-month SIP inflow growth remains stable, even during periods of market corrections, suggesting a growing maturity among retail participants.
Radhika Gupta, MD & CEO of Edelweiss AMC, said, “This ₹15 trillion SIP AUM mark shows that Indian retail investors are increasingly using SIPs not just for tax saving, but as a disciplined tool to plan retirement, children’s education, and other life goals.”
Outlook: Can SIP AUM Reach ₹20 Trillion by 2027?
Given the current momentum and assuming continued economic and market tailwinds, industry experts believe that SIP AUM could touch ₹20 trillion within the next two years — possibly even by early 2027. With the upcoming 8th Pay Commission expected to enhance disposable income and household savings, mutual fund inflows, especially via SIPs, are likely to remain buoyant.
Also, the SEBI-led initiatives on simplified onboarding for investors in rural India, coupled with AMFI’s expansion of its distribution network, are expected to unlock the next wave of growth.
Conclusion
India’s mutual fund industry is entering a new phase of maturity, driven by technology, awareness, and evolving investor behaviour. As SIPs become a household term, their growth will continue to democratize wealth creation, offering millions of Indians a path toward financial independence and security.
Key Highlights:
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SIP AUM crosses ₹15 trillion in June 2025, up from ₹10 trillion in Dec 2023
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Fastest-ever ₹5 trillion jump in SIP AUM in just 18 months
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Monthly inflows at ₹27,269 crore, the highest on record
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91.8 million SIP accounts, with growing Tier-2/Tier-3 participation
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₹2,970 average SIP ticket size, rising steadily
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Mid- and small-cap funds dominate inflows
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