The latest data by AMFI on SIPs indicate the inflows stay interrupted broadly, in spite of volatile trading sessions and uncertainty, which is a positive sign as a financial front.
In July 2025, India's Systematic Investment Plan (SIP) investment contributed a historic all-time high of ₹28,464 crore, marking a firm upward trend and indicating increased investor confidence in times of market volatility and global uncertainty. This is the second straight month of record contributions after ₹27,269 crore in June, highlighting the continued popularity and strength of SIPs as an efficient investment mechanism for disciplined wealth building.
The Association of Mutual Funds in India (AMFI) indicated a significant rise in the number of contributing SIP accounts, increasing from 8.64 crore in June to 9.11 crore in July which is an increase of nearly 47 lakh accounts. Moreover, new SIP registrations were strong at 6.87 million during the month, reflecting widening investor interest in urban and rural India. While 4.3 million SIP accounts matured or were closed in July, the stoppage rate remained far below the peaks of the previous few months, indicating that the majority of investors are still committed to their SIPs.
Equity-oriented mutual funds also saw record net inflows of ₹42,702 crore in July, up by 81% from ₹23,568 crore in June, and sustained a robust 53-month trend of consistent positive inflows. This wider rally was underpinned by robust New Fund Offer (NFO) raises of ₹30,416 crore—the largest ever one-month mobilisation. Small-cap and mid-cap schemes received huge inflows of ₹6,484 crore and ₹5,182 crore, respectively, as investor interest in diversified and riskier growth opportunities grew. Sectoral and thematic funds mobilised ₹9,426 crore, and flexi-cap funds attracted ₹7,654 crore. Large-cap schemes also witnessed good inflows, while equity-linked savings schemes posted small outflows.
Assets under management of the mutual fund industry increased to ₹75.36 lakh crore in July from ₹74.40 lakh crore in June. The retail participation went deeper as total mutual fund folios rose to 24.57 crore. SIP assets under management were at ₹15.19 lakh crore, which was approximately 20% of the total industry AUM, a reflection of the increasing popularity of SIPs in the Indian investment market.
Experts attribute this consistent momentum to increasing financial awareness, increased digital penetration, and investor discipline over the long term. Investors' spirits continue to be supported by robust corporate profitability and stable macroeconomic conditions, in spite of global market volatility and currency headwinds. SIP flows have progressively become the mainstay of equity mutual fund investments, displacing traditional saving instruments over a period of time.
Venkat N Chalasani, CEO of AMFI, pointed to the importance of these figures as indicators of disciplined investment behaviour, stating, "The assets under management rose by 1.3%, albeit against the headwinds of a buoyant US dollar and sustained foreign fund outflows. It is a reflection of continued investor confidence and disciplined participation." Let's hope this stays on and the investor community positively stays mature and consistent, with minimum panic and shocks.
