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Mutual fund SIP stoppage ratio rises to 85% in December even as contributions hit record Rs 30,002 crore
SIP contributions increased 5% month-on-month and 17% year-on-year from Rs 26,459 crore in December 2024.
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A. Balasubramanian, Managing Director and CEO, Aditya Birla Sun Life AMC, said the record SIP inflows in December mark a testament to SIPs increasingly becoming a way of life for Indian investors. Continued SIP investments, even amid global volatility and market fluctuations, point to rising financial awareness and disciplined investing.
According to monthly data from the Association of Mutual Funds in India (AMFI), the number of SIPs discontinued or whose tenure was completed in December stood at 51.57 lakh, while the number of new SIPs registered during the same period was 60.46 lakh. As of November 2025, the number of SIPs discontinued or tenure completed stood at 43.18 lakh, while new SIP registrations were recorded at 57.14 lakh.
In December, the total number of outstanding SIP accounts stood at 1,010.73 lakh, compared with 1,001.73 lakh in November. The number of contributing SIP accounts stood at 979 lakh.
What is the SIP stoppage ratio?
The SIP stoppage ratio represents the number of discontinued SIPs compared with the number of newly registered SIPs. If this ratio crosses 100%, it indicates that more SIPs are being stopped than started.However, it is important to note that the stoppage ratio also includes SIPs that have expired. Additionally, investors may have simply switched from one SIP to another as part of portfolio rebalancing.
“SIP inflows reached an all-time high of Rs 31,002 crore, reflecting increasing investor maturity and a disciplined, long-term approach to equity investing,” said Varun Gupta, CEO, Groww Mutual Fund.
During the calendar year, total SIP contributions stood at Rs 3.34 lakh crore, according to monthly SIP data from AMFI. SIP assets under management rose 22% year-on-year to Rs 16.63 lakh crore in December 2025, compared with Rs 13.63 lakh crore in December 2024.
Feroze Azeez, Joint CEO, Anand Rathi Wealth Limited, said total SIP contributions of Rs 3.34 lakh crore in CY25 reflect long-term intent and confidence rather than short-term speculation.
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AMFI data showed SIP assets stood at Rs 16.63 lakh crore in December 2025, accounting for 20.7% of total mutual fund assets.
Retail MF folios (equity, hybrid and solution-oriented schemes) stood at 20,27,86,198 in December 2025, compared with 20,15,85,661 in November 2025. Retail AUM (equity, hybrid and solution-oriented schemes) stood at Rs 47,35,764 crore in December 2025.
Total mutual fund folios stood at 26,12,53,836 as of December 2025, with 26.40 lakh net folios added during the month. Folios in November 2025 stood at 25,86,14,320.
“As of December 2025, the Indian mutual fund industry’s AUM stood at Rs 80.23 lakh crore. The moderation was primarily driven by debt fund outflows for liquidity management and limited market-related valuation changes. SIP monthly contributions have touched an all-time high of over Rs 31,000 crore, taking SIP assets to Rs 16.63 lakh crore,” said Venkat Chalasani.
“On a year-on-year basis, industry AUM grew by 19.9%, reflecting increased participation and continued adoption of mutual funds across investor segments,” Chalasani added.
(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times.)
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