Net SIP inflow is calculated by subtracting redemptions from gross SIP investments.
The SIP culture has been rapidly growing in India among retail investors. As per AMFI data, monthly SIP contributions crossed 31,961 crore in July 2026, which is nearly a 10x jump from 3,122 crore recorded in April 2016.
The SIP culture has been rapidly growing in India among retail investors. As per AMFI data, monthly SIP contributions crossed 31,961 crore in July 2026, which is nearly a 10x jump from 3,122 crore recorded in April 2016.
Smallcap funds have emerged as the primary beneficiaries of the systematic investment plan (SIP) wave in Indian mutual funds over the past five years, with their SIP assets surging to approximately 1.83 trillion by March 2026, a fivefold increase.
'Periods of heightened volatility, driven by global events such as tariffs and geopolitical tensions over the past year-and-a-half, can make some investors pause or discontinue their investments.'
'The Rs 30,954 crore inflows recorded in May 2026 reflects around 16 per cent year-on-year rise.'
Gen Z is a generation that has been raised in a digital-first era, where shopping, payment, and monetary transactions are done within seconds via smartphones. Moreover, the new flexibility offered by investing platforms is encouraging young investors to opt for investment frequencies that align with their spending patterns and lifestyle. This change has brought up an interesting debate on whether daily and weekly SIPs are better than monthly investments.
At Rs 4.07 trillion, gross inflows were just shy of the record Rs 4.34 trillion mobilised in H2 of 2024, making it the second half-yearly period in which inflows crossed Rs 4 trillion.
You should look beyond a flat SIP, ensuring that your investments grow along with your income, expenses, and financial aspirations.
Systematic Investment Plan (SIP) returns for smallcap and midcap mutual funds have seen a significant rebound, with average one-year SIP returns now at 19.1 per cent for smallcap funds and 13.5 per cent for midcap funds, according to Value Research data. This recovery is expected to revive momentum in the retail mutual fund industry, which had experienced a moderation in growth indicators.
A simple SIP-first approach can help reduce debt, avoid EMIs and build lasting financial freedom through disciplined spending, advises Ramalingam Kalirajan
Smallcap funds topped the net inflow chart for the second consecutive month, as investors poured record Rs 7,973 crore into one of the best-performing MF categories.
Start SIPs early, increase investments steadily, and let compounding beat inflation to secure retirement wealth, says Ramalingam Kalirajan
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'You set up your SIPs and you do not touch them. Not during COVID, not during a war scare, not when your neighbour tells you the market is finished. You let the noise pass over you.' 'The beauty of this approach is that it does not require courage or conviction in the moment. It just requires inertia -- keep the SIP running and do not look at your portfolio too often.'
Urban Indian millennials are caught in an algorithmically amplified consumption spiral where social media normalises spending patterns that systematically undermine retirement security.
rediffGURU Ulhas Joshi answers your mutual fund queries.
Net investments into equity mutual fund schemes in India remained elevated at approximately 38,440 crore in April, despite a slight dip from March's high and a 3% month-on-month decline in Systematic Investment Plan (SIP) inflows.
'Value is not where you make money in India. It never has been.' 'You have to buy momentum.' 'Momentum is in technology, and I don't see that slowing down because I believe the AI infrastructure boom is going to last for a while.'
'Treating stock brokers as merchants for MDR is fundamentally misplaced.'
PhonePe, at the Global Fintech Fest 2026, unveiled its strategic vision for the next decade, focusing on inclusive digital progress for individuals, households, and businesses across India. The roadmap details innovations in financial inclusion, wealth creation, credit access, and merchant solutions.
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From why FIIs will return to India with 'bagfuls' to what to do if markets crash 20%, from finding the next multi-bagger to whether the battered IT sector can bounce back -- Trust MF CIO Mihir Vora's calm answers will surprise you.
List all unavoidable expenses such as rent, groceries, transportation, education and medical bills.
Understanding the most common mistakes during market downturns can help you protect your investments and stay focused on your long-term financial goals, says Ramalingam Kalirajan
'Ultimately, banks are a channel for people to get some long-term return, and this means banks need to adjust their asset-liability mismatch.' 'Customers also need long-term deposits, say those of three-five years. How would they get them if returns on those deposits do not climb?' 'Otherwise, on fixed deposits, a senior citizen doesn't get anything.'
If India does get $100 billion a year in FDI, it would be a game-changer in every possible way. FPIs would come rushing back, AI or no AI, points out Debashis Basu.
Equity-oriented mutual fund schemes in India experienced a 5 per cent decline in net inflows in April, reaching Rs 38,440 crore, while monthly Systematic Investment Plan (SIP) contributions also saw a decrease.
DIIs invested $22.8 billion in Indian equities in Q2CY26.
The magnificent Kailasa temple stands as a testament to ancient Indian engineering and artistic brilliance, carved meticulously from a single mountain.
Retirement planning is not a test of how smart you are; it is a test of how well you control your behaviour.
'Every period of excessive optimism eventually gives way to a correction, while periods of extreme pessimism often create the best investment opportunities.'
The decision depends on factors like your capital on hand, investment timeframe, and comfort level with market fluctuations. In this blog, let us understand how both approaches work.
Investors should cap gold allocation at 10-15 per cent and consider staggered purchases through gold ETFs.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
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'Investors spend too much time picking the right mutual fund and too little time choosing the right asset allocation. That's where real wealth is created.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Liquidity stress in smallcap funds has fallen to its lowest level since February 2024, with the average time to liquidate 50% of portfolios dropping to 27 days in June from a peak of 44.2 days in January 2026, driven by a sharp recovery in smallcap stocks and increased trading volumes.
From Ustad Hotel to Salute, these Dulquer Salmaan Malayalam films prove why his homecoming with I'm Game is worth celebrating.
