Indian households kept up their disciplined investing through mutual fund SIPs. Monthly Systematic Investment Plan (SIP) contributions stood at ₹31,781 crore in June 2026 — among the highest on record and up about 16.5% year-on-year, according to compiled AMFI data.
The industry’s assets under management (AUM) reached ₹82.22 lakh crore as of June 30, 2026, more than six times the ₹13.81 lakh crore recorded a decade earlier in June 2016, the Association of Mutual Funds in India (AMFI) said. Over the past five years AUM has roughly tripled from ₹33.67 lakh crore in June 2021.
Key trends:
– Account growth: Active SIP accounts have crossed 9.7 crore, with millions added each month; the average SIP ticket size is around ₹3,100–₹3,200.
– Sectoral and thematic funds drew strong inflows in recent months, with a meaningful share from new fund offers.
– Equity funds remained a steady contributor even through market volatility, underlining retail’s “stay invested” posture.
Why it matters: SIPs automate investing and reduce timing risk through rupee-cost averaging. With contributions near ₹32,000 crore a month, even modest market moves compound meaningfully for long-term wealth creation.
A note of caution: chasing recent top-performing thematic funds can expose investors to concentration risk. Diversified equity, balanced advantage and index funds remain the backbone for most goals. First-time investors should match horizon to risk and consider consulting a SEBI-registered adviser.
Sources: AMFI releases, RightAdvise SIP data and Vrid MF insights.