In a testament to India’s deepening retail investment culture, mutual fund SIP inflows held steady at ₹31,000 crore for January, mirroring December’s ₹31,002 crore and marking back-to-back months of exceptional performance. This 17 percent jump from January 2025’s ₹26,400 crore reflects maturing investor habits in systematic wealth building.
AMFI’s latest figures show a vibrant account activity: 74 lakh fresh SIP accounts joined the ecosystem, offsetting 55 lakh closures to elevate the national tally to 10.29 crore from 10.11 crore. However, SIP AUM edged down to ₹16.36 lakh crore due to market downturns, now comprising 20.2 percent of the total mutual fund AUM.
Diversification trends were evident as gold ETF investments doubled to over ₹24,000 crore, up from half that in December, blending risk with stability. Equity schemes saw ₹24,029 crore inflows, a 14 percent moderation from prior month but robust against historical benchmarks like July’s record ₹42,702 crore.
The month’s highlight was the industry’s net inflow of ₹1.56 lakh crore, reversing December’s outflows and signaling strong recovery. From October’s ₹24,690 crore to November’s ₹29,911 crore in equities, the momentum persists. As markets stabilize, SIPs continue to anchor India’s mutual fund growth story, empowering millions toward financial independence.