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Five-Year SIP Data Shows Indian Investors Are Staying Invested Longer
A SIP lets people invest a fixed amount in mutual funds regularly.
More Indian investors are now using SIPs as a long-term way to invest.
SIP assets nearly quadrupled between March 2021 and March 2026.
Monthly contributions also rose sharply during this period.
Fewer SIP investments were held for less than one year.
More than twice as many SIP assets were held for over five years in March 2026 than in March 2021.
Retail investors showed the biggest increase in SIP use.
Equity funds received most SIP money, although hybrid and passive funds also gained interest.
The data suggests that staying consistent may matter more than trying to predict short-term market movements.
SIP assets under management nearly quadrupled to ₹14.83 lakh crore between March 2021 and March 2026.
Monthly SIP contributions reached ₹32,087 crore in March 2026, up 7.4 times from March 2017.
The share of SIP assets held for more than five years rose to 31% from 12.3%.
Retail investors’ SIP assets increased to 45% of their total mutual fund assets, from 33.5%.
Equity remained the main SIP destination, while hybrid and passive fund participation also expanded.
- Who
- Indian mutual fund investors, especially retail investors, HNIs and NRIs.
- What
- SIP assets, contributions and long-term holding periods increased substantially over five years.
- Where
- India’s mutual fund market.
- When
- The comparison covers March 2021 to March 2026, with some contribution data beginning in March 2017.
- Why
- The report attributes increased participation to higher investor involvement after Covid-19 and says SIPs are increasingly being used for disciplined, long-term investing.
Key facts
- SIP AUM
- ₹14.83 lakh crore in March 2026, up from ₹4.25 lakh crore in March 2021.
- Industry AUM share
- SIP assets represented 20.1% of total mutual fund industry AUM in March 2026, compared with 13.5% in March 2021.
- Monthly contribution
- ₹32,087 crore in March 2026, compared with ₹4,335 crore in March 2017.
- Long-term holdings
- SIP assets held for more than five years rose to 31% in March 2026 from 12.3% in March 2021.
- Short-term holdings
- SIP assets held for less than one year fell to 21.1% from 37%.
- Retail adoption
- Retail investors’ SIP AUM as a share of their total AUM rose from 33.5% to 45%.
- FY26 allocation
- Equity-oriented schemes accounted for ₹2.87 lakh crore of ₹3.40 lakh crore in total SIP flows.
- Source
- AMFI-CRISIL Factbook 2026.
Sources
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