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.
₹32,297 Cr
August 2026 — New Record
Surpasses previous peak of ₹32,087 Cr in March 2026
▲ ₹336 Cr vs July
Month-on-month SIP contribution rose by ₹336 Crore in August 2026 vs July 2026. Year-on-year, August 2026 is +14.3% above August 2025 (₹28,265 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
1,075 Lakh
SIP Accounts — August 2026
Outstanding as of August 2026
₹18.62 L Cr
SIP AUM — August 2026
As of August 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) | 1,58,108 | +15.1%* | 31,622 | 5 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 5 months (Apr+May+Jun+Jul+Aug): Rs 1,58,108 Cr vs Rs 1,37,318 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 | 32,297 | 28,265 | +14.3% | 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 | 1,58,108 (5 mo) | 3,49,589 | — | 2,89,352 | 1,99,219 |
FY 2026-27 has April through August 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 | 32,297 | 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 | 1,58,108* | 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–Aug 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) |
|---|---|---|---|---|---|---|
| Aug 2026 | 1,075.32 | 66.40 | 53.82 | +12.58 | 1,001.79 | 18,61,652 |
| Jul 2026 | 1,062.74 | 61.44 | 50.30 | +11.15 | 990.21 | 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–Aug 26 | 1,075.32 | 288.22 | 257.75 | +30.47 | 1,001.79 | 18,61,652 |
# 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-Aug 26: Outstanding 1,075.32L · New 288.22L · Discontinued 257.75L · Contributing 1,001.79L · SIP Total Rs 1,58,108 Cr · SIP AUM Rs 18,61,652 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 August 2026, it has reached a new all-time record of Rs 32,297 Crore — surpassing the previous peak of Rs 32,087 Crore set in March 2026. This is a 10x growth in 10 years. 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 18.62 Lakh Crore in August 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 August 2026, there are 1,075.32 Lakh outstanding SIP accounts with 1,001.79 Lakh actively contributing. In August, 66.40 Lakh new SIPs were registered while 53.82 Lakh were discontinued or completed their tenure — net addition of 12.58 Lakh accounts in a single month.
SIP AUM vs SIP Contribution
SIP AUM in August 2026 stood at Rs 18,61,652 Crore (Rs 18.62 Lakh Crore). Monthly SIP contribution in August 2026 is Rs 32,297 Crore — meaning the monthly SIP inflow is approximately 1.7% 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?
The highest monthly SIP contribution in India is Rs 32,297 Crore, recorded in August 2026 — a new all-time record. This surpassed the previous peak of Rs 32,087 Crore set in March 2026. Monthly SIP has grown 10x from Rs 3,122 Crore in April 2016.
How many SIP accounts are there in India?
As of August 2026, there are 1,075.32 Lakh (approximately 10.75 Crore) outstanding SIP accounts in India. Of these, 1,001.79 Lakh are actively contributing. In August, 66.40 Lakh new SIPs were registered while 53.82 Lakh were discontinued or matured — a net addition of 12.58 Lakh accounts. India crossed 1,000 Lakh SIP accounts in November 2025.
What is the total SIP AUM in India?
SIP AUM in India stands at Rs 18,61,652 Crore (Rs 18.62 Lakh Crore) as of August 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 a new all-time record of Rs 32,297 Crore in August 2026 — surpassing March 2026 peak of Rs 32,087 Crore. Outstanding SIP accounts reached 1,075.32 Lakh as of August 2026. 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 32,297 Crore in August 2026, SIP inflows have grown more than 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.
Explore More
Where Can You Find More Mutual Fund Data and Tools?
Industry Data
MF Industry AUM & Net Flows
Total AUM, net inflows, category-wise data — monthly history from 2020.
AMFI Codes
AMFI Scheme Code List
Search AMFI codes for all 16,000+ mutual fund schemes with ISIN and AAUM data.
Fund Explorer
Browse 1000+ Mutual Funds
See full portfolios, stock holdings, entries & exits for every fund.
Fund Analysis
Small Cap Fund Returns
Live NAV, 1Y/3Y/5Y returns and portfolio for all small cap funds.
Real NAV Tool
SIP Calculator — Real Returns
Not assumed 12% — uses actual historical NAV. Pick any fund, enter your amount and dates.
Data Table
SIP Returns — All Funds
Which funds gave the best SIP returns over 1, 3 and 5 years? Filter by performance threshold.
Unique Tool
Step-Up SIP Calculator
Simulate a growing SIP using real fund NAV. Set your annual step-up % and see actual corpus.
Learn
What Is SIP?
Complete guide — how SIP works, rupee cost averaging, XIRR explained, common mistakes.