AMFI Data: Mutual fund SIP inflows steady at Rs 31,000 crore in January

The monthly mutual fund SIP inflows remained above Rs 31,000 crore for the second consecutive month in January 2026. A monthly contribution of Rs 31,002 crore was recorded in December.

On a yearly basis, the monthly SIP inflow went up by 17% from Rs 26,400 crore in January 2025.

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SIP assets stood at Rs 16,36,082.09 lakh crore in January 2026, accounting for 20.2% of total mutual fund assets. The number of Contributing SIP accounts stood at 9,92,18,602 in January 2026.

Mutual Fund Folios are at 26,63,13,561 as of January 2026 with 50.6 lakh net folios being added during the month. Folios as of December 2025 stood at 26,12,53,836.

Retail MF Folios (Equity + Hybrid + Solution Oriented Schemes) are at 20,43,09,553 for the month of January 2026 as against 20,27,86,198 December 2025. Retail AUM (Equity + Hybrid + Solution Oriented Schemes) stood at Rs 46,48,915 crores for January 2026.

“January’s data reflects a broadly steady trend in India’s mutual fund industry despite ongoing global uncertainties and short-term market volatility. Industry AUM crossed ₹81 lakh crore, continuing the gradual expansion seen over recent years. Equity inflows remained positive for the 59th consecutive month, while SIP contributions stayed largely stable, indicating continued investor participation,” said Venkat Chalasani.

“Flows into hybrid, multi-asset, and passive products—including increased allocations to gold and silver ETFs—suggest a measured approach by investors toward diversification and portfolio balance. Overall, these developments indicate that mutual funds remain a widely used investment avenue, with participation levels holding up across varying market conditions,” Venkat Chalasani added.

SIF data

SIF assets stood at Rs 6,564 crore in January 2026. The category saw inflows of Rs 1,729 crore, with hybrid strategies attracting Rs 1,637 crore.

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“SIP participation remains the backbone of the market. Monthly SIP inflows crossed ₹31,000 crore, cumulative SIP assets have moved beyond ₹16.6 lakh crore, and SIPs now contribute over one-fifth of total equity AUM — a powerful indicator of structural, long-term capital formation,” said Ankur Punj, MD – Business Head, Equirus Wealth.