SIP Inflows Hit Record ₹27,269 Cr in June as Retail Flows Power MF Assets to New High
- 9th July 2025
- 06:00:00 PM
- 3 min read
Mumbai | July 9 – Systematic Investment Plans (SIPs) are quietly reshaping India’s investment landscape, and June 2025 has proved just that. Retail investors, undeterred by market swings, powered SIP inflows to a record ₹27,269 crore, according to AMFI data released on July 9.
Mutual Fund AUM Touches New Peak
- Total mutual fund assets under management (AUM) surged to ₹74.41 lakh crore in June, up from ₹72.20 lakh crore in May and ₹69.99 lakh crore in April.
- This all-time high was driven by:
- Strong mark-to-market gains in equities.
- Steady SIP inflows despite mid-cap volatility and election uncertainties.
Record SIP Inflows Reflect Retail Discipline
- SIP inflows rose 2.2% from May’s ₹26,688 crore and 5.2% over March levels.
- Retail investors are sticking to systematic wealth-building instead of timing the market, signalling improving investment behaviour.
Participation Continues to Expand
- Contributing SIP accounts increased to 8.64 crore in June from 8.56 crore in May.
- Total SIP accounts, including closed and matured ones, rose to 9.19 crore from 9.06 crore.
- 62 lakh new SIP registrations were recorded in June, indicating fresh participation despite market highs.
- SIP assets under management climbed to ₹15.31 lakh crore, now accounting for 20.6% of total MF industry AUM (up from 20.2% in May).
Stoppage Ratio Declines Sharply
- The SIP stoppage ratio dropped to 56.1% in June, down from around 72% in May and nearly 300% in April.
- A lower stoppage ratio signals that more investors are continuing SIP contributions instead of pausing them amid volatility, showcasing rising investor resilience.
Equity Mutual Fund Inflows Rebound
- After a sharp 22% drop in May, equity MF inflows bounced back with a 24% rise in June, touching ₹23,587 crore.
- June marked the 52nd consecutive month of net inflows into open-ended equity schemes, underscoring the consistency of retail flows into equities.
The record SIP inflows show that retail investors are systematically building wealth rather than chasing momentum or fearing corrections. SIPs allow investors to average out investment costs across market cycles, avoid emotional decision-making, and align their investments with long-term goals such as retirement or children’s education. As markets touch new highs, consistent SIP investing enables investors to navigate volatility without getting swayed by daily market noise.
Investors should continue to focus on their goals, risk tolerance, and asset allocation rather than reacting to short-term movements. Market corrections can be used as opportunities to review portfolios, not as reasons to stop SIPs. It is equally important to periodically check SIP portfolios to ensure they align with evolving financial goals and market dynamics. The record SIP flows, despite global uncertainties and domestic volatility, reinforce a clear message: discipline beats timing, and retail India is getting it right.
Bottomline
Record SIP inflows in June 2025 underline a crucial shift in India’s investment landscape. Retail investors are choosing discipline over timing, using SIPs to build wealth systematically even amid market highs and volatility. Staying invested and aligning SIPs with long-term goals can help investors ride market cycles with confidence. As the data shows, discipline is paying off.
PL Capital
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making related decisions.
