Systematic Investment Plans have once again proven their resilience and popularity among Indian investors, with July 2025 recording an all-time high inflow of ₹28,464 crore. This marks the fourth consecutive month of record-breaking SIP collections, according to data released by the Association of Mutual Funds in India. The month also saw over 91.1 million active SIP accounts contributing regularly, underlining the growing financial discipline of retail investors.
Equity mutual fund inflows were equally impressive, hitting a record ₹42,702 crore in July an 81 percent jump from the previous month. SIP assets under management stood at ₹15.19 lakh crore, which accounts for nearly one-fifth of the total mutual fund industry’s average assets for the month. This continued momentum comes despite market headwinds, with both the Nifty and Sensex falling around 3 percent and midcap and smallcap indices dropping about 2.3 percent.
Industry experts say these numbers reflect the maturity and commitment of Indian investors. Venkat N Chalasani, Chief Executive of AMFI, noted that the total industry assets grew by 1.3 percent to ₹75.36 lakh crore in July, even with challenges such as a strong US dollar and persistent foreign investor outflows. This steady growth, he said, demonstrates the depth of domestic participation and the confidence investors have in systematic investing.
One of the most notable trends in July was the rising appetite for midcap, smallcap, and thematic funds. Net inflows into thematic schemes surged to a seven-month high of ₹9,426 crore, up sharply from ₹476 crore in June. Smallcap schemes attracted ₹6,484 crore in July, a 61 percent jump from the previous month, while midcap schemes saw inflows rise 38 percent to ₹5,182 crore. These figures indicate that investors are actively seeking diversified opportunities beyond large-cap equities.
A Balasubramanian, MD and CEO of Aditya Birla Sun Life AMC, attributed this surge to growing investor confidence and a willingness to participate in varied segments of the market. He pointed out that the steady growth in SIP contributions also reflects the long-term orientation of retail investors, who are increasingly using corrections as buying opportunities rather than exiting during volatility.
However, experts caution that while thematic and sectoral funds can be rewarding, they also come with higher risks and require a clear understanding of market cycles. Suranjana Borthakhur, Head of Distribution and Strategic Alliances at Mirae Asset Investment Managers, advised investors to approach such products with clarity on their objectives, keeping systematic investing at the core of their portfolio strategy.
The July data confirms what many in the industry have been saying for years SIPs are no longer just a beginner’s tool for small investors but a mainstream, disciplined approach that works across market cycles. Even with global uncertainties and domestic market corrections, Indian retail investors are showing that patience and consistency can be more powerful than timing the market.
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