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Systematic Investment Plans (SIPs) are periodic contributions investors make into mutual fund schemes. According to AMFI India, in September 2025, mutual fund SIP collections touched a record high of ₹29,361 crore. This marked a 3.9% rise compared to August. Such an impressive collection shows that investors continued to invest regularly despite market fluctuations.
Besides, the number of contributing SIP accounts also crossed the 9 crore mark during mid-2025 (Source: AMFI Monthly Note - July). These impressive figures show how SIPs have become the preferred way for Indians to invest in mutual funds.
Feeling encouraged to invest? Read this article to first understand these latest trends. Then, check out some mutual fund schemes offered by Tata Mutual Fund™, you may consider in 2025.
Table of Content
In 2025, The SIP AUM Is Increasing!
Based on AMFI data, Systematic Investment Plan (SIP) Assets Under Management (AUM) have shown a consistent increase between January and September 2025. This growth is supported by:
Consistent inflows
Higher participation
Market gains
This trend clearly signals strong investor confidence + the growing importance of systematic investment plan as a long-term potential wealth-building tool. Let’s understand what the trends say:
The SIP AUM Grew By 11.50%
At the start of 2025, SIP AUM was estimated at around ₹13 lakh crore. By September 2025, it had crossed ₹15 lakh crore. This marks a growth of roughly ₹1.5 lakh crore over nine months. (Source: AMFI)
This consistent increase shows that investors have continued to stay invested through SIPs despite market volatility.
There Are Regular Monthly Inflows
Systematic investment plan collections rose every month from around ₹26,688 crore in May 2025 to ₹29,361 crore in September 2025 (Source: AMFI Monthly Notes – May and September). This shows that investors are adding fresh capital to their existing SIP portfolios. Moreover, there is steady investor participation, with the number of active SIP accounts having climbed to over 9 crore as stated above.
What Can You Interpret?
The increase in SIP AUM indicates “maturing investor behaviour”. Rather than redeeming, investors are staying invested and continuing their periodic contributions. Thus, recurring investments from retail investors are primarily driving the industry growth.
What Does the Monthly SIP Contribution Trend Say?
AMFI publishes month-wise SIP contributions in its “monthly notes”. If we analyse the data from January to September 2025, there is a gradual monthly growth in SIP contributions. Check out the latest monthly numbers as reported by AMFI:
Month | Monthly SIP Contributions |
September | ₹29,361 crore |
August | ₹28,265 crore |
July | ₹28,464 crore |
June | ₹27,269 crore |
May | ₹26,688 crore |
April | ₹26,632 crore |
March | ₹25,926 crore |
February | ₹25,999 crore |
January | ₹26,400 crore |
What Do These Numbers Tell?
There is an overall positive and upward trend in systematic investment plan contributions so far in 2025. SIP contributions have risen from ₹26,400 crore in January to a record ₹29,361 crore in September 2025. That’s an increase of nearly ₹2,961 crore, or about 11% growth in nine months.
This trend shows growing investor confidence and a maturing investment culture. Retail investors are choosing to continue their SIPs even during volatile phases, which means they trust the long-term potential of mutual funds.
What’s Causing this SIP Rush?
More investors are entering through new SIP registrations.
Existing investors are increasing their SIP amounts or starting additional SIPs.
There is rising awareness about disciplined investing and rupee cost averaging.
Market stability and better performance could be the reasons for investors to make a long-term commitment.
So, Want to Invest via the SIP Route? Tata Mutual Fund™ Schemes You May Consider in 2025!
Based on the AMFI data for 2025, you may assume that investors are expanding their SIPs. If you, as a disciplined investor, are also looking to invest, Tata Mutual Fund™ offers multiple scheme category options, such as:
ETFs
Fund of Funds
Equity schemes
Debt funds
Index funds
Hybrid funds, and more
All these options allow you to invest via SIPs. Now, let’s check out some mutual fund schemes you may consider investing in 2025:
All the below shall be as per latest SIDs
| Mutual Fund Scheme | Product Label | Benchmark | Scheme Riskometer | Benchmark Riskometer | Exit Load |
| Tata Gold ETF | An open-ended exchange-traded fund replicating/tracking the domestic price of gold | Domestic Price of Gold | High Risk | High Risk | NIL |
| Tata Silver ETF Fund of Funds | An open-ended fund of fund scheme investing in the Tata Silver exchange-traded fund | Domestic Price of Silver | Very High Risk | Very High Risk | Redemption/ Switch-out /SWP/ STP on or before expiry of 7 days from the date of allotment: 0.5% |
| Tata Silver ETF | An open-ended exchange traded fund replicating /tracking the domestic price of silver | Domestic Price of Silver | Very High Risk | Very High Risk | NIL |
| Tata Banking and Financial Services Fund | An open-ended equity scheme investing in the banking and financial services sector | Nifty Financial Services TRI | Very High Risk | Very High Risk | 0.25% of the NAV, if redeemed/switched out before 30 days from the date of allotment |
| Tata Floating Rate Fund | An open-ended debt scheme investing predominantly in floating rate instruments (including fixed rate instruments converted to floating rate exposures using swaps/derivatives), a relatively high interest rate risk, and moderate credit risk | CRISIL Short Duration Debt A-II Index | Moderate Risk | Low to Moderate Risk | NIL |
| TATA Nifty G Sec Dec 2029 Index Fund | An open-ended target maturity index fund investing in constituents of the Nifty G-sec Dec 2029 index. a scheme with relatively high interest rate risk and relatively low credit risk | Nifty G-Sec Dec 2029 Index (TRI) | Moderate Risk | Moderate Risk | NIL |
| Tata Arbitrage Fund | An open-ended scheme investing in arbitrage opportunities | Nifty 50 Arbitrage Index | Low Risk | Low Risk | 0.25 % of the applicable NAV, if redeemed/ switched out/withdrawn on or before expiry of 30 days from the date of allotment. |
Risk Level of All the Above Mutual Fund Schemes
1. Tata Gold ETF
2. Tata Silver ETF Fund of Funds
3. Tata Silver Exchange Traded Fund
4. Tata Banking and Financial Services Fund
5. Tata Floating Rate Fund
6. Tata Nifty G Sec Dec 2029 Index Fund
7. Tata Arbitrage Fund
Pick The Right Schemes Using the Digital Calculators and Tools!
As a mutual fund investor, you can even use tools like a monthly SIP investment calculator or a mutual fund SIP planner. They allow you to understand how your investments may grow over time. All you have to do is enter some basic details such as:
Your SIP amount
SIP Expected Return
Investment period
Next, the SIP return calculator instantly estimates your probable future returns. For example,
Let’s say you had invested ₹1,000 per month for 5 years.
Now, this calculator would have shown you the potential maturity value and total notional gain.
Additionally, you can even compare options through a lump sum calculator. This allows you to understand how SIPs perform versus one-time investments.
Conclusion
So, are investors consolidating or expanding their SIPs? If we were to answer based on the AMFI data for 2025, investors appear to be expanding their SIP participation.
The trend shows growth in both collections and participation. Let’s revise what the latest data tells us:
SIP collections touched an all-time high of ₹29,361 crore in September 2025. This indicates that investors are adding fresh money or starting new SIPs rather than reducing commitments.
The number of actively contributing SIP accounts crossed 9 crore. Now, there are more individuals joining the SIP route.
Monthly SIP inflows have risen steadily from about ~₹26,000 crore in April to nearly ~₹29,000 crore in September.
*Mutual Fund Investments are subject to market risks, please read all scheme related documents carefully.
