Mumbai, July 10 – After months of flat inflows, Indian retail investors have renewed confidence in mutual funds, pushing Systematic Investment Plan (SIP) contributions to an all-time high of ₹27,269 crore in June 2025, as per data released by the Association of Mutual Funds in India (AMFI).

This marks a monthly increase of 2.2%, indicating improved investor sentiment as volatility in Dalal Street eases and market direction becomes clearer.

Retail Participation Drives Surge in SIPs

The surge in inflows reflects a growing belief in long-term, disciplined investment strategies among Indian investors. According to Venkat Chalasani, Chief Executive at AMFI:

“The number of SIP accounts also hit a record 8.64 crore, powered by strong and consistent retail participation.”

This revival comes after seven months of stagnation, where SIP inflows hovered just above ₹26,000 crore.

Mutual Fund Assets Cross ₹75 Lakh Crore

Alongside the SIP boom, India’s total mutual fund industry assets under management (AUM) also touched a fresh record of ₹75.18 lakh crore, boosted by equity inflows and gold ETF contributions.

Key highlights:

• Small & mid-cap funds outperformed large-cap schemes in inflows.
• Gold ETFs saw consistent inflows, showing investors’ preference for diversification and inflation hedging.

Investors Turning Cautious Yet Consistent

Analysts attribute the rise in SIPs to:

• Market recovery after the general elections
• Continued focus on long-term investing
• A balanced shift towards equities and safe-haven assets

“Retail investors are now more cautious, preferring SIPs for steady wealth creation over lump-sum equity bets,” said Anand Varadarajan, Chief of Business, Tata Mutual Fund.