The investing mindset of Indian investors in 2025 is clearly visible. Amidst market uncertainty, SIP is getting preference instead of lump-sum.

By Nov 2025, there was an inflow of ₹3.04 trillion in mutual funds through SIP, which is more than ₹2.69 trillion in 2024, while there was a decline of about ₹2 trillion in lump-sum investments. The contribution of SIPs in active equity funds increased to 37% in the first 10 months of 2025 from 27% in 2024.

Nearly 80% of SIP money went into active equity schemes. Active SIP accounts remained 100 million in Nov 2025, which shows that only serious investors remain. SIP-based AUM has reached ₹16.53 trillion and has become the growth engine of the MF industry. Bottom line: SIP has become a strong means of long-term wealth creation and market stability.