In a resounding display of confidence in the Indian market, retail investors have pushed monthly contributions to Systematic Investment Plans (SIPs) to an unprecedented high. Inflows surged to a record ₹29,361 crore in September 2025, a significant 4% jump from the ₹28,265 crore collected in August, according to data released Friday by the Association of Mutual Funds in India (AMFI).
This record-breaking figure underscores a sustained trend of disciplined, long-term investing among Indians, even amid market fluctuations. The growth reflects unwavering investor belief in equities as a primary vehicle for wealth creation, marking the 55th consecutive month of positive inflows into equity-focused funds. The total assets managed under SIPs now stand at a staggering ₹15.52 lakh crore, accounting for over 20% of the entire mutual fund industry’s assets.
The enthusiasm for mutual funds extends beyond just SIPs. The industry saw the addition of over 30 lakh new investor accounts, known as folios, in September alone. This milestone pushed the total number of mutual fund folios in the country past the 25 crore mark for the first time, settling at 25.19 crore.
“The mutual fund industry maintained its growth momentum in September, with total assets rising to ₹75.61 lakh crore,” said Venkat N Chalasani, Chief Executive of AMFI. He noted that the growth was achieved despite temporary outflows typically linked to advance tax payments, highlighting the market’s underlying strength.
Chalasani celebrated the new SIP milestone, stating it “reaffirms retail investors’ growing preference for disciplined and systematic investing.” He added, “The addition of over 30 lakh new folios… underscores the widening reach and trust in mutual funds as a key vehicle for wealth creation.”
Experts view this consistent inflow as a sign of retail investors’ faith in India’s long-term economic prospects. “SIPs continues to remain strong driver for Inflows in Equity Markets and shows the confidence that retail investors have in India’s long term growth story,” commented Ankur Punj, MD – Business Head at Equirus Wealth.
Looking ahead, Punj advised investors to maintain a balanced approach. “It will be prudent for investors to balance out their portfolios and follow an Asset allocation strategy,” he suggested, recommending that investors consider increasing their exposure to large-cap and hybrid or multi-asset funds to navigate potential volatility.
