Amid market uncertainty, the approach of Indian investors is now clear – disciplined investing instead of taking big risks all at once. In 2025, mutual fund SIP investments crossed the milestone of ₹3 trillion for the first time, which is a strong signal of structural change in investor mindset.

In volatile markets, SIP investors get the benefit of rupee cost averaging and risk averaging, while hesitation has increased regarding lump-sum investments. Data shows that SIP contribution in active equity funds is continuously increasing. SIP-based AUM has now become a major part of the total AUM of the mutual fund industry. SIP is not an investment option but has become a wealth habit of India.