SIP AUM Crosses ₹15 Trillion in June, Fastest ₹5 Trillion Growth in 17 Months

The mutual fund industry in India has achieved a significant milestone as assets under management (AUM) through systematic investment plans (SIPs) crossed ₹15 trillion in June 2025. This remarkable feat marks the fastest-ever ₹5 trillion jump in SIP AUM, achieved in just 17 months, highlighting growing investor interest and trust in disciplined, long-term investing.

A Decade of Growth in SIP AUM

The SIP AUM journey began modestly, with the first ₹1 trillion milestone reached in early 2016. It took more than five years to hit ₹5 trillion in July 2021. The next ₹5 trillion, reaching ₹10 trillion, took nearly 31 months and was achieved in January 2024. However, the most recent leap—from ₹10 trillion to ₹15 trillion—occurred in a record 17 months, signal

As of June 2025, SIP AUM stands at ₹15.30 trillion, representing a 24% increase since February of this year, when it was ₹12.38 trillion. This surge has pushed the SIP share in the total mutual fund industry to an all-time high of 20.57%. Over the past year, SIPs have consistently contributed around 20% to the overall mutual fund corpus, according to data from the Association of Mutual Funds in India (AMFI).

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Budget Reforms and Market Recovery Boost SIP Sentiment

The strong inflows have been partly fuelled by favourable changes in the 2025 Union Budget. Measures such as enhanced standard deductions and revised income tax slabs have increased disposable income for salaried and middle-class investors, enabling them to invest more in SIPs.

SIP contributions reached a record high of ₹27,269 crore in June 2025—up 2% from ₹26,688 crore in May and slightly above April’s ₹26,632 crore. Net equity inflows also rose to ₹23,568 crore in June, marking a 24% month-on-month increase.

Market recovery has further enhanced investor sentiment. After sharp corrections since October 2024, the Sensex and Nifty have rebounded 13% since mid-March. The broader BSE MidCap and SmallCap indices have performed even better, gaining 18.5% and 23% respectively.

Industry Experts Highlight Long-Term Confidence

Experts, Mutual Fund Analysts, noted that SIPs offer a disciplined approach by averaging costs over time. “SIPs allow investors to buy more when prices are low and fewer when prices are high, thus reducing the average cost per unit, especially valuable in volatile markets,” he explained.

Mutual Fund’s veterans of fund management added that steady SIP inflows, declining redemptions, and healthy market fundamentals reflect the public’s growing trust in mutual funds. “This shows structural confidence in equities, even during uncertain times,” he said.

Conclusion

The record-breaking growth in SIP AUM to ₹15 trillion in June 2025 highlights the resilience of retail investors and the increasing confidence in mutual funds. With tax incentives, rising income, and market recovery working in tandem, SIPs continue to solidify their role as a preferred investment route for long-term wealth creation.