Systematic Investment Plan (SIP) flows continued their strong momentum in October, reaching a record ₹29,529 crore, slightly above September’s ₹29,361 crore, according to AMFI data. The number of contributing SIP accounts rose to 9.45 crore from 9.25 crore, while the total SIP accounts in the system increased to 9.88 crore, with net additions of around 60 lakh accounts and about 45 lakh closures.
Suranjana Borthakur, Head of Distribution & Strategic Alliances at Mirae Asset Investment Managers, highlighted that sustained SIP inflows reflect the maturity and discipline of retail investors, emphasizing the importance of staying invested for long-term wealth creation despite short-term market volatility.
The SIP stoppage rate for October stood at 75%, slightly lower than September’s 76.3%. This ratio, which measures investors pausing or stopping SIPs, had fluctuated significantly over the past two years, peaking at 296% in April 2025 due to market volatility or liquidity needs, before stabilizing around 56–76% in recent months.
SIP AUM now totals approximately ₹16.25 lakh crore, up from ₹15.52 lakh crore, representing 20.3% of the mutual fund industry. Ankur Punj, MD of Equirus Wealth, noted that annualized SIP contributions surged 45% YoY, underscoring rising retail participation and the growing importance of SIPs in long-term investing.
