• by Sandip Virmani

• August 8, 2025

In July 2025, Systematic Investment Plans (SIPs) recorded a monthly inflow of ₹27,269 crore — the highest ever. This rise in SIP inflows reflects growing awareness among individuals who are looking beyond traditional saving options. Whether you’re a first-time investor or someone looking to diversify, understanding these trends can help you evaluate the best SIP plans in India

Understanding the Surge: Why ₹27,269 Crore Matters

This ₹27,269 crore monthly SIP contribution is not just a number — it shows a deep shift in behavior. Investors are consistently allocating amounts through SIPs into various mutual fund categories, including those considered among the top performing mutual funds.

In comparison to conventional options like FDs, many are evaluating fixed deposit vs SIP to make informed choices. SIPs offer the advantage of investing small amounts regularly, which can align with long-term goals without the need for market timing.

SIP vs FD in 2025: What Are People Choosing?

In 2025, many salaried professionals and young earners are actively investing in best SIP for long term rather than locking large sums in FDs. SIPs allow you to remain invested for 5–10 years and beyond, giving your money more time to grow through market cycles through compunding.

Where the Money Is Flowing: Trends by Fund Category

A big share of the SIP inflows is directed towards:

• Flexi-cap and Large-cap funds

• Hybrid funds (a mix of debt and equity)

• ELSS (for tax-saving purposes)

• Index and multi-cap funds

• Smallcap funds

These are being widely researched by individuals looking for the best mutual funds for SIP. They are also exploring options that suit their goals, such as:

• • Capital appreciation

    • Wealth creation

• Monthly income (using SWP mutual funds later)

SIP Tools: How SIP Returns Are Estimated

To make confident decisions, many use online tools like SIP returns calculators. These help estimate future value based on investment amount, duration, and average return. While past returns are not indicators of future performance, they do offer insights into how different mutual fund categories have moved historically.

If you’re comparing best mutual funds to invest for your SIP, using a SIP returns calculator helps set realistic expectations and investment timelines.

Why SIPs Are Becoming Mainstream in 2025

Here’s why SIPs are at the center of mutual fund inflows:

1. Rupee cost averaging: Buying more units when prices are low

2. Disciplined investing: Automates monthly saving habits

3. Flexibility: Easy to pause, stop, or increase your SIP

4. Accessibility: Available online, mobile, or through distributors

With rising awareness, many people are searching for the best mutual funds for SIP and starting to compare them with traditional options like FDs.

SWP Mutual Funds: The Flip Side of SIP

While SIPs help in building wealth, SWP in mutual funds allow you to withdraw at regular intervals. This is useful after a few years of consistent SIP investing — when you want to create a monthly income stream.

For example:

• You invest ₹10,000 monthly for 10 years via SIP.

• After maturity, you can activate a regular amount withdrawal based on your need over a long period of time through SWP in mutual funds.

This dual approach of SIP for growth and SWP for income has gained popularity, especially among retirees and those seeking a passive income flow from their existing corpus.

Practical Tips for SIP Investors in 2025

Here are some actionable tips if you’re planning to explore the best SIP plans in India:

• • Start with ₹500 or ₹1000 per month or more – consistency is more important than amount.

• Avoid trying to time the market – SIP works best with long-term focus.

• • Review periodically – especially if your goals or income change and also review the schemes where invested

• Use a SIP returns calculator to monitor projected growth.

• Consider future plans like using SWP mutual funds for passive income post-retirement.

Final Thoughts

With ₹27,269 crore pouring in through SIPs every month, the trend clearly shows that SIPs are being widely adopted as a disciplined and flexible way to build a long-term investment portfolio.

Whether you’re comparing fixed deposit vs SIP, calculating your expected sip returns, or shortlisting the best mutual funds to invest, 2025 offers a mature ecosystem of options for every type of individual.

This is the time to explore the best SIP for long term, choose from the top performing mutual funds, and structure your journey with tools like SIPs and SWPs that align with your goals.