SIP Inflows Ease in February 2026, but AUM Hits Record ₹16.64 Lakh Crore

SIP Contributions Remain Resilient Despite Slight Dip

Systematic Investment Plan (SIP) inflows remained largely resilient in February 2026, despite a slight decline in contributions. Total SIP inflows stood at ₹29,845 Crore, reflecting a 4% dip from January’s peak of ₹31,002 crore.

The moderation in inflows is partly attributed to February being a shorter month, as some SIP instalments scheduled toward the end of the month are often processed in early March.

Despite the minor decline, the data indicate that investor participation in SIPs remains steady.

SIP Stoppage Ratio Remains Stable

The SIP stoppage ratio stood at around 76%, indicating that the level of SIP closures or discontinuations has remained relatively stable.

A stable stoppage ratio suggests that investors are largely continuing their long-term investment commitments, despite short-term market fluctuations.

This stability reflects the growing popularity of systematic investing among retail investors in India.

SIP AUM Reaches Record High

While monthly inflows saw a slight moderation, SIP assets under management (AUM) reached a new record high of ₹16.64 lakh crore.

This represents a 1.71% monthly growth, recovering from the -1.64% dip recorded in January 2026.

The consistent rise in SIP AUM highlights the increasing scale of retail participation in equity markets through mutual funds.

Strong Growth in SIP Assets Over Recent Months

The upward trend in SIP AUM has been steady over the past few months

SIP assets have grown significantly from ₹15.52 lakh crore in September 2025 to ₹16.64 lakh crore in February 2026, demonstrating sustained momentum in systematic investments.

This growth underscores the increasing preference among investors for disciplined and long-term investment strategies.

Retail Investors Continue Long-Term Investing Trend

The steady growth in SIP investments reflects strong retail investor confidence in long-term wealth creation through mutual funds.

SIPs remain one of the most popular investment options because they allow investors to:

• Invest regularly in small amounts
• Benefit from rupee cost averaging
• Build wealth through long-term compounding

Even during periods of market volatility, many investors continue SIP contributions, reinforcing the culture of disciplined investing.

Outlook for SIP Investments

Although monthly inflows may fluctuate due to calendar factors or short-term market movements, the broader trend indicates consistent growth in SIP participation.

As financial awareness and digital investment platforms continue to expand, SIP investments are expected to remain a key driver of mutual fund industry growth in India.

The steady rise in SIP AUM suggests that retail investors are increasingly adopting long-term, systematic investing approaches.