20 hrs ago
Net SIP Inflows Reach Record Rs 2 Trillion in FY26
A SIP lets people invest a fixed amount in mutual funds regularly.
In FY26, investors put about Rs 3.5 trillion into SIPs.
After subtracting money taken out, the net amount invested was a record Rs 2 trillion.
People also withdrew more money than the year before, but withdrawals grew more slowly.
The stock market was unsettled, yet many investors kept their SIPs running.
Fund officials said investors are learning to see market falls as chances to buy more.
However, the number of new SIP accounts grew much less than in the previous year.
This suggests existing investors stayed committed even though fewer new accounts were added.
Net SIP inflows reached approximately Rs 2 trillion in FY26, equal to 56 per cent of gross SIP investments of Rs 3.5 trillion.
SIP redemptions rose 15 per cent to Rs 1.5 trillion, their slowest annual growth in three years.
Net SIP inflows increased as retail investors continued investing despite equity-market turbulence and rising account closures.
Net SIP account additions fell to 4 million in FY26 from nearly 17 million in FY25.
Fund officials said investors increasingly view market corrections as buying opportunities and SIPs as long-term savings tools.
- Who
- Retail investors, mutual fund officials, and data from the Securities and Exchange Board of India.
- What
- Net SIP inflows reached a record approximately Rs 2 trillion in FY26 despite higher redemptions and fewer net account additions.
- Where
- India.
- When
- Financial year 2025-2026; the equity market had been turbulent since September 2024.
- Why
- Fund officials attributed the strong net inflows to a growing long-term investment mindset and investors treating market corrections as buying opportunities.
Key facts
- Net SIP inflows
- Approximately Rs 2 trillion in FY26
- Gross SIP investments
- Rs 3.5 trillion in FY26
- Net inflow share
- 56 per cent in FY26, up from 54 per cent in FY25
- SIP redemptions
- Rs 1.5 trillion in FY26, up 15 per cent from Rs 1.3 trillion
- Net account additions
- 4 million in FY26, compared with nearly 17 million in FY25
- Market performance
- For the two years ending March 2026, the Nifty 50 fell over 5 per cent, the Nifty Smallcap 250 was flat, and the Nifty Midcap 150 gained 6 per cent
Quotes
Suranjana Borthakur
Head of distribution and strategic alliances at Mirae Asset Mutual Fund
“SIPs have truly become a meaningful part of household savings in India. What started off as an entry point into equity investing for most people has now evolved into a disciplined, long-term allocation strategy. This shift is clearly visible in the data -- even as gross SIP inflows have grown, net inflows have remained equally robust.”
rediff.com
“Retail investors increasingly treat market dips as buying opportunities rather than exit signals. The entire industry's efforts have conditioned investors to remain invested during market corrections.”
rediff.com
Sources
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