At a Glance
What Are the Key Milestones in India's SIP Journey?
India's SIP culture has grown from a niche product to a mainstream savings habit. Here are the numbers that tell that story.
₹31,961 Cr
July 2026 — Latest Data
All-time peak was ₹32,087 Cr in March 2026
▲ ₹180 Cr vs June
Month-on-month SIP contribution rose by ₹180 Crore in July 2026 vs June 2026. Year-on-year, July 2026 is +12.3% above July 2025 (₹28,464 Cr).
Context
₹3,49,589 Cr
FY 2025-26 Total
April 2025 – March 2026
+20.8% vs FY25
₹2,89,352 Cr
FY 2024-25 Total
Full financial year
+45.2% vs FY24
1,063 Lakh
SIP Accounts — July 2026
Outstanding as of July 2026
₹18.20 L Cr
SIP AUM — July 2026
July 2026
₹43,921 Cr
FY 2016-17 Total
Where the journey began
Annual Data
How Has India's Annual SIP Contribution Grown Over 10 Years?
Total SIP inflows collected each financial year from FY 2016-17 to FY 2025-26. Every year has been higher than the previous — without exception.
| Financial Year | Total SIP (₹ Cr) | Growth vs Prev Year | Monthly Avg (₹ Cr) | Months |
|---|---|---|---|---|
| FY 2026-27 (so far) | 1,25,811 | +15.3%* | 31,453 | 4 months |
| FY 2025-26 | 3,49,589 | +20.8% | 29,132 | 12 months |
| FY 2024-25 | 2,89,352 | +45.2% | 24,113 | 12 months |
| FY 2023-24 | 1,99,219 | +27.7% | 16,602 | 12 months |
| FY 2022-23 | 1,55,972 | +25.2% | 12,998 | 12 months |
| FY 2021-22 | 1,24,566 | +29.7% | 10,381 | 12 months |
| FY 2020-21 | 96,080 | −4.0% | 8,007 | 12 months |
| FY 2019-20 | 1,00,084 | +8.1% | 8,340 | 12 months |
| FY 2018-19 | 92,693 | +37.9% | 7,724 | 12 months |
| FY 2017-18 | 67,190 | +53.1% | 5,599 | 12 months |
| FY 2016-17 | 43,921 | — | 3,660 | 12 months |
FY 2025-26 total covers April 2025 to March 2026 (12 months). FY20-21 declined slightly due to COVID-19 disruptions — the only year in 10 years where SIP collections fell. * FY 2026-27 growth is year-on-year for the same 4 months (Apr+May+Jun+Jul): Rs 1,25,811 Cr vs Rs 1,09,053 Cr in FY26.
Monthly Data — Last 2 Years
What Is the Monthly SIP Contribution in FY 2025-26 and FY 2026-27?
Detailed month-by-month SIP contribution for the last two financial years with year-on-year comparison.
| Month | FY 2026-27 | FY 2025-26 | YoY Change | FY 2024-25 | FY 2023-24 |
|---|---|---|---|---|---|
| April | 31,115 | 26,632 | +16.8% | 20,371 | 13,728 |
| May | 30,954 | 26,688 | +16.0% | 20,904 | 14,749 |
| June | 31,781 | 27,269 | +16.5% | 21,262 | 14,734 |
| July | 31,961 | 28,464 | +12.3% | 23,332 | 15,245 |
| August | — | 28,265 | — | 23,547 | 15,814 |
| September | — | 29,361 | — | 24,509 | 16,042 |
| October | — | 29,529 | — | 25,323 | 16,928 |
| November | — | 29,445 | — | 25,320 | 17,073 |
| December | — | 31,002 | — | 26,459 | 17,610 |
| January | — | 31,002 | — | 26,400 | 18,838 |
| February | — | 29,845 | — | 25,999 | 19,187 |
| March | — | 32,087 | — | 25,926 | 19,271 |
| Annual Total | 1,25,811 (4 mo) | 3,49,589 | — | 2,89,352 | 1,99,219 |
FY 2026-27 has April, May, June and July 2026 data. FY 2025-26 annual total covers full 12 months (Apr 2025 - Mar 2026).
10-Year Monthly History
What Is the Complete Month-wise SIP Contribution History From FY 2016-17?
The complete AMFI monthly SIP data across all financial years. Every month, every year — for researchers, analysts and advisors.
| Month | FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| April | 31,115 | 26,632 | 20,371 | 13,728 | 11,863 | 8,596 | 8,376 | 8,238 | 6,690 | 4,269 | 3,122 |
| May | 30,954 | 26,688 | 20,904 | 14,749 | 12,286 | 8,819 | 8,123 | 8,183 | 7,304 | 4,584 | 3,189 |
| June | 31,781 | 27,269 | 21,262 | 14,734 | 12,276 | 9,156 | 7,917 | 8,122 | 7,554 | 4,744 | 3,310 |
| July | 31,961 | 28,464 | 23,332 | 15,245 | 12,140 | 9,609 | 7,831 | 8,324 | 7,554 | 4,947 | 3,334 |
| August | — | 28,265 | 23,547 | 15,814 | 12,693 | 9,923 | 7,792 | 8,231 | 7,658 | 5,206 | 3,497 |
| September | — | 29,361 | 24,509 | 16,042 | 12,976 | 10,351 | 7,788 | 8,263 | 7,727 | 5,516 | 3,698 |
| October | — | 29,529 | 25,323 | 16,928 | 13,041 | 10,519 | 7,800 | 8,246 | 7,985 | 5,621 | 3,434 |
| November | — | 29,445 | 25,320 | 17,073 | 13,306 | 11,005 | 7,302 | 8,273 | 7,985 | 5,893 | 3,884 |
| December | — | 31,002 | 26,459 | 17,610 | 13,573 | 11,305 | 8,418 | 8,518 | 8,022 | 6,222 | 3,973 |
| January | — | 31,002 | 26,400 | 18,838 | 13,856 | 11,517 | 8,023 | 8,532 | 8,064 | 6,644 | 4,095 |
| February | — | 29,845 | 25,999 | 19,187 | 13,686 | 11,438 | 7,528 | 8,513 | 8,095 | 6,425 | 4,050 |
| March | — | 32,087 | 25,926 | 19,271 | 14,276 | 12,328 | 9,182 | 8,641 | 8,055 | 7,119 | 4,335 |
| FY Total | 1,25,811* | 3,49,589 | 2,89,352 | 1,99,219 | 1,55,972 | 1,24,566 | 96,080 | 1,00,084 | 92,693 | 67,190 | 43,921 |
All figures in ₹ Crore. Source: AMFI — Association of Mutual Funds in India, monthly reports.
SIP Account Details — FY 2026-27 (Apr–Jul 2026)
How Many SIP Accounts Are Active and What Is the SIP AUM Each Month?
Month-wise details of SIP accounts registered, discontinued and contributing. All counts in Lakh.
| Month | Outstanding Accounts (L) | New SIPs Registered (L) | Discontinued / Tenure (L) | Net Addition (L) | Contributing Accounts (L) | SIP AUM (₹ Cr) |
|---|---|---|---|---|---|---|
| Jul 2026 | 1,063.00 | 61.44 | 50.29 | +11.15 | 990.00 | 18,19,542 |
| Jun 2026 | 1,051.59 | 55.51 | 50.64 | +4.87 | 978.30 | 17,70,482 |
| May 2026 | 1,046.72 | 54.16 | 51.70 | +2.46 | 964.06 | 17,12,126 |
| Apr 2026 | 1,044.26 | 50.71 | 51.29 | -0.58 | 964.91 | 16,85,126 |
| Mar 2026 | 1,044.84 | 52.82 | 53.38 | -0.56 | 971.86 | 15,10,943 |
| Feb 2026 | 1,045.40 | 65.72 | 49.70 | +16.02 | 944.48 | 16,64,085 |
| Jan 2026 | 1,029.38 | 74.11 | 55.46 | +18.65 | 992.19 | 16,36,082 |
| Dec 2025 | 1,010.73 | 60.46 | 51.57 | +8.89 | 979.00 | 16,63,369 |
| Nov 2025 | 1,001.84 | 57.14 | 43.18 | +13.96 | 942.52 | 16,52,665 |
| Oct 2025 | 987.88 | 60.25 | 45.10 | +15.14 | 945.20 | 16,25,305 |
| Sep 2025 | 972.74 | 57.73 | 44.03 | +13.70 | 925.21 | 15,52,303 |
| Aug 2025 | 959.04 | 55.23 | 41.15 | +14.08 | 898.70 | 15,18,368 |
| Jul 2025 | 944.97 | 68.69 | 43.04 | +25.65 | 911.18 | 15,19,456 |
| Jun 2025 | 919.32 | 61.91 | 48.16 | +13.75 | 864.70 | 15,30,574 |
| May 2025 | 905.57 | 59.15 | 42.66 | +16.49 | 856.00 | 14,61,360 |
| Apr 2025 | 889.08 | 46.01 | # 162.32 | — | 838.25 | 13,89,655 |
| FY26 Full Year (Apr 25–Mar 26) | 1,044.84 | 719.22 | 679.75 | +19.05 | 971.86 | 15,10,943 |
| FY27 Apr–Jul 26 | 1,063.00 | 221.82 | 203.92 | +17.90 | 990.00 | 18,19,542 |
# April 2025 discontinued figure includes past/legacy data revised on 14th May 2025 as per SEBI guidelines. Net Addition for April 2025 not shown due to revised base. FY26 full year (Apr 25-Mar 26): Outstanding 1,044.84L · New Registered 719.22L · Discontinued #679.75L · Contributing 971.86L · SIP Total Rs 3,49,589 Cr · SIP AUM Rs 15,10,943 Cr. FY27 Apr-Jul 26: Outstanding 1,063.00L · New 221.82L · Discontinued 203.92L · Contributing 990.00L · SIP Total Rs 1,25,811 Cr · SIP AUM Rs 18,19,542 Cr.
Analysis
What Does India's SIP Data Tell Us About Investor Behaviour?
SIP Has Grown 10x in 10 Years
In April 2016, monthly SIP contribution in India was Rs 3,122 Crore. By July 2026, it had reached Rs 31,961 Crore — nearly a 10x growth in 10 years. The all-time peak was Rs 32,087 Crore in March 2026. These statistics reflect a fundamental shift in how middle-class India saves and invests. According to latest AMFI statistics, India's SIP AUM has grown from under Rs 1 Lakh Crore in 2016 to over Rs 18.20 Lakh Crore in 2026 — a remarkable decade of growth.
The only year SIP collections declined was FY 2020-21 (₹96,080 Cr vs ₹1,00,084 Cr in FY20) — a 4% fall driven by COVID-19 disruptions and market panic. Every other year has been higher than the previous without exception.
The FY 2024-25 Acceleration
FY 2024-25 was exceptional — ₹2,89,352 Crore, a 45.2% jump over FY24. This was driven by strong equity markets, record NFO activity, and growing retail investor participation post-COVID. Monthly collections crossed ₹20,000 Cr for the first time in April 2024 and have stayed above that level every month since.
1,000 Lakh SIP Accounts — A Milestone
India crossed 1,000 Lakh (10 Crore) outstanding SIP accounts in November 2025. As of July 2026, there are 1,063 Lakh active SIP accounts. In July, 61.44 Lakh new SIPs were registered while 50.29 Lakh were discontinued or completed their tenure — net addition of 11.15 Lakh accounts in a single month.
SIP AUM vs SIP Contribution
SIP AUM in July 2026 stands at Rs 18,19,542 Crore (Rs 18.20 Lakh Crore). Monthly SIP contribution is Rs 31,961 Crore — meaning the monthly SIP inflow is just 1.8% of total SIP AUM. This shows the compounding effect — money invested through SIP over the years has grown significantly and now forms a large base.
Why SIP Declined in FY 2020-21
FY 2020-21 saw the only decline in SIP collections in 10 years. COVID-19 caused widespread income disruption, leading many investors to pause or stop SIPs. Additionally, markets fell sharply in March-April 2020, causing panic. However, the resilience of SIP culture showed — even at its lowest, monthly SIP was ₹7,302 Crore (November 2020), and the recovery was swift.
Frequently Asked Questions
What Are the Most Common Questions About India's SIP Data?
What is SIP contribution data published by AMFI?
AMFI (Association of Mutual Funds in India) publishes monthly data on Systematic Investment Plans (SIPs) — including total rupee amount collected, number of SIP accounts registered and discontinued, contributing accounts, and SIP AUM. This data is released every month along with the main mutual fund industry data.
What was the highest monthly SIP contribution ever in India?
As of July 2026, the highest monthly SIP contribution in India was Rs 32,087 Crore, recorded in March 2026. July 2026 came in at Rs 31,961 Crore. This represents a 10x growth from April 2016 when monthly SIP was Rs 3,122 Crore.
How many SIP accounts are there in India?
As of July 2026, there are 1,063 Lakh (approximately 10.63 Crore) outstanding SIP accounts in India. Of these, 990 Lakh accounts are actively contributing. India crossed the milestone of 1,000 Lakh SIP accounts in November 2025.
What is the total SIP AUM in India?
SIP AUM in India stands at Rs 18,19,542 Crore (Rs 18.20 Lakh Crore) as of July 2026. This is the total market value of all investments made through SIP routes across all mutual fund schemes.
What financial year does SIP data follow in India?
SIP data in India follows the Indian financial year — April to March. So FY 2025-26 covers April 2025 to March 2026. AMFI typically publishes the current month's data within the first 10 days of the following month.
Why did SIP collections fall in FY 2020-21?
FY 2020-21 was the only year in the last 10 years where total SIP collections declined — falling from ₹1,00,084 Crore to ₹96,080 Crore, a 4% drop. This was due to COVID-19 disruptions causing income uncertainty and market volatility, leading many investors to pause SIPs. The recovery began from FY 2021-22 onwards.
What does discontinued SIP mean?
As per SEBI guidelines, a SIP is treated as ceased or discontinued when 3 consecutive instalments (for daily, weekly, fortnightly, and monthly SIPs) or 2 consecutive instalments (for other frequencies) fail. Discontinued also includes SIPs that have completed their originally set tenure. April 2025 shows a high discontinued figure because it includes revised legacy data from previous periods.
What are the latest AMFI SIP statistics for 2025 and 2026?
As per the latest AMFI SIP statistics, monthly SIP inflows in India reached Rs 31,961 Crore in July 2026. Total SIP AUM stood at Rs 18,19,542 Crore. Outstanding SIP accounts reached 1,063 Lakh. Annual SIP contribution for FY 2024-25 was Rs 2,89,352 Crore — a 45% increase over FY 2023-24. These statistics are updated monthly from official AMFI data.
How do I find monthly SIP inflow data for India from AMFI?
AMFI publishes monthly SIP inflow data in its official monthly reports, typically released in the first week of the following month. RightAdvise compiles and presents this complete month-wise SIP contribution data going back to April 2016, including SIP AUM, number of accounts registered, contributing accounts, and discontinued accounts — all in one place.
What is the growth rate of SIP contributions in India?
India's monthly SIP contributions have grown at a CAGR of approximately 25% over the last 10 years. From Rs 3,122 Crore in April 2016 to Rs 31,961 Crore in July 2026, SIP inflows have grown nearly 10x. The pace of growth accelerated post-COVID — FY 2024-25 alone saw 45% year-on-year growth in total SIP collections, making it the fastest-growing year in SIP history.
Data Source: All SIP data on this page is sourced from AMFI (Association of Mutual Funds in India) official monthly reports. Compiled and presented by RightAdvise.com. Data is published as-is for educational and research purposes.
Data Accuracy Disclaimer: RightAdvise collects data from sources believed to be reliable. However, we may occasionally make errors in compilation, formatting, or updating. We strongly recommend that you independently verify all data before relying on it for any financial decisions. Data may not always be the most current. RightAdvise shall not be responsible for any decisions made based on information published on this website.
Investment Disclaimer: RightAdvise.com is not SEBI registered. This page does not constitute investment advice. Past SIP growth does not guarantee future performance. Consult a SEBI-registered investment advisor before making investment decisions.
As per SEBI guidelines: SIPs where 3 consecutive instalments (daily/weekly/fortnightly/monthly) or 2 consecutive instalments (others) are failed are treated as ceased/discontinued. # Includes past/legacy data on account of revised data published on 14th May 2025.
Data Accuracy Disclaimer: RightAdvise collects data from sources believed to be reliable. However, we may occasionally make errors in compilation, formatting, or updating. We strongly recommend that you independently verify all data before relying on it for any financial decisions. Data may not always be the most current. RightAdvise shall not be responsible for any decisions made based on information published on this website.
Investment Disclaimer: RightAdvise.com is not SEBI registered. This page does not constitute investment advice. Past SIP growth does not guarantee future performance. Consult a SEBI-registered investment advisor before making investment decisions.
As per SEBI guidelines: SIPs where 3 consecutive instalments (daily/weekly/fortnightly/monthly) or 2 consecutive instalments (others) are failed are treated as ceased/discontinued. # Includes past/legacy data on account of revised data published on 14th May 2025.
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