SIP inflows for the month of July increased 4 percent month-on-month to Rs 28,464 crore as against 27,269 crore in June 2025 despite ongoing market volatility.
According to AMFI, the number of contributing SIP accounts increased from 8.64 crore in June to 9.11 crore in July, marking an addition of 47 lakh accounts. SIP assets under management stood at Rs 15.19 lakh crore, down from Rs 15.31 lakh crore in June, with SIPs accounting for 20.2 percent of the mutual fund industry’s total assets.
The total SIP account base also expanded further. The number of SIP accounts at the end of July stood at 9.45 crore, up from 9.19 crore in June, with 68.69 lakh new SIP registrations in the month, while 43.04 lakh accounts were closed or matured.
The SIP stoppage ratio, defined as the number of SIPs discontinued as a percentage of new registrations, stood at 62.7 percent in July, higher than 56.1 percent in June, but far lower than the spike of nearly 300 percent seen in April 2025. A lower stoppage ratio suggests that a larger share of investors are continuing with their SIPs.
On SIP numbers for the month, Manish Mehta, National Head - Sales, Marketing & Digital Business, Kotak Mahindra AMC noted: "Domestic investors continue to keep their faith in mutual fund schemes and SIPs. The distribution community continue to educate the investors on long term benefits of staying invested in mutual funds and use SIPs as an effective medium of equity investing.”
Similarly, Rohit Sarin, Co Founder – Client Associates, added, "This substantial share underscores how Systematic Investment Plans have fundamentally transformed the investment landscape, effectively replacing traditional Post Office small savings schemes as the preferred vehicle for systematic wealth creation across urban and rural India."
He noted that SIP flows have demonstrated remarkable resilience, maintaining their upward trajectory independent of short-term market movements. "The 61.91 lakh new SIP accounts registered in June 2025 alone reflects a structural shift in Indian household savings behaviour. Unlike episodic lump-sum investments that fluctuate with market sentiment, SIP contributions have maintained their secular growth pattern, with total outstanding SIP accounts reaching 919.32 lakh by June 2025, indicating that Indian investors now view equity markets as a legitimate long-term wealth creation avenue rather than a speculative instrument," he said.
The inflows for the month of June have been broad-based across most equity categories, signalling renewed investor appetite after a relatively moderate June. Equity flows saw a record high increase of 81 percent MOM to Rs 42,702.35 crore compared to Rs 23,568 crore a month ago.
This marks the 53rd straight month of positive flows into equity schemes. On the back of mark-to-market (MTM) gains in equities, the mutual fund industry’s overall net assets under management (AUM) hit an all-time high of Rs 75.35 lakh crore in July, up from Rs 74.41 lakh crore in June, Rs 72.20 lakh crore in May, and Rs 69.99 lakh crore in April.
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