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Future Plan, In The Name of Trust!
AMFI Data: SIP inflows hit record Rs 31,002 crore in December 2025
SIP Inflows Hit Record ₹31,002 Crore in December 2025, Highlighting Surging Retail Trust in Mutual Funds
India’s SIP inflows touching a record ₹31,002 crore in December 2025 highlight how strongly retail investors are embracing long-term, disciplined investing through mutual funds.
Key numbers from AMFI data
December 2025 SIP inflows: ₹31,002 crore, the highest ever monthly collection.
November 2025 SIP inflows: around ₹29,445 crore, so December saw an increase of over ₹1,500 crore month-on-month.
December 2024 SIP inflows: about ₹26,459 crore, meaning SIP flows are up roughly 17% year-on-year.
What this says about investor behaviour
Retail confidence remains strong: Even with market volatility and global uncertainties, investors are continuing – and even increasing – their SIP commitments instead of exiting.
Shift to systematic investing: The steady rise in SIP numbers shows a clear move away from ad‑hoc, lump-sum speculation towards disciplined monthly investing aligned to long-term goals.
Broader mutual fund context
While equity mutual fund net inflows actually dipped marginally in December versus November, SIP flows kept rising, indicating that core retail money via SIPs is more stable than opportunistic lump-sum flows.
AMFI data also shows the SIP stoppage ratio (SIPs discontinued vs new registrations) inched up to around 8.5%, but remained within a healthy band, suggesting most investors are sticking with their existing SIPs even as some clean up or consolidate folios.
Why this record matters
For the market, ₹31,000+ crore of sticky, recurring flows every month acts as a strong domestic buffer against FPI selling.
For planners and distributors like Plango India, this trend validates the focus on SIP-based asset-building communication for retail clients, especially first-time investors and young earners.