The mutual fund SIP (Systematic Investment Plan) segment showed remarkable resilience in July 2025, posting the highest monthly contribution on record even as market volatility caused a mild dip in assets under management (AUM).
SIP Flows: A Strong Comeback in 2025
After a soft start to the year, SIP flows have regained strong momentum:
- January 2025: ₹26,400 crore (-0.22% MoM)
- February 2025: ₹25,999 crore (-1.52% MoM)
- March 2025: ₹25,926 crore (-0.28% MoM)
- April 2025: ₹26,632 crore (+2.72% MoM)
- May 2025: ₹26,688 crore (+0.21% MoM)
- June 2025: ₹27,269 crore (+2.18% MoM)
- July 2025: ₹28,464 crore (+4.38% MoM) — new record high.
The steady climb since April reflects renewed retail participation and continued trust in disciplined investing, despite broader market choppiness.
SIP AUM: Mild Dip After Strong Gains
While inflows were robust, SIP AUM saw a small decline in July:
- High Growth Phase: Mar (+7.87%), Apr (+4.08%), May (+5.16%), Jun (+4.74%).
- July 2025: ₹15.19 lakh crore (-0.73% MoM).
This slight pullback is largely due to market fluctuations rather than any slowdown in investor contributions.
Investor Takeaways
- Consistency Beats Timing: SIPs continued to grow even when AUM saw short-term dips.
- Market Moves Affect AUM, Not Discipline: The July AUM drop is market-driven, not sentiment-driven.
- Patience Pays: Investors staying committed are well-positioned to benefit from long-term compounding.
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