SIP Collections Hit a ₹26,632‑Crore High in April 2025

Summary: Despite market volatility, SIP inflows surged to ₹26,632 crore—the highest monthly total of 2025 so far—reflecting strong retail confidence. Here’s what drove the spike, how stoppage ratios behaved, and how InvestoEdge can help you automate your SIP strategy.

1. Record ₹26,632 Crore Inflows

ICRA Analytics reports SIP collections rose 2.7% MoM to ₹26,632 crore in April 2025, up from ₹25,926 crore in March.¹ This marks the strongest monthly inflow since January (₹26,400 crore).²

2. Stoppage Ratio Spikes

Meanwhile, SIP‑stoppage ratios jumped to 298%—the highest in a year—as some investors paused amid volatility. Yet gross flows held firm, underscoring long‑term SIP discipline.³

3. Equity Fund Inflows vs. SIPs

AMFI data shows total equity‑fund inflows dipped 3.2% MoM to ₹24,269 crore, but SIPs alone contributed ₹26,632 crore—beating lump‑sum investments by 9.7%.⁴

4. Why SIPs Remain Resilient

• Rupee Cost Averaging: Downturns lower average purchase prices.⁵
• Behavioral Anchors: Automated debits enforce discipline even in choppy markets.⁶
• Increased AUM Share: SIP AUM rose to 20.31% of total MF AUM in Mar 2025, up from 20.07% a year ago.⁷

5. InvestoEdge SIP Automation

With InvestoEdge, you can set up SIPs across 150+ funds in under 5 minutes, manage top‑ups, and get personalized alerts when NAV deviates by >2% from your target.

References

1. ET News – SIP inflows at ₹26,632 crore in April: ICRA Analytics
2. Reuters – Equity‑fund inflows hit one‑year low; SIPs record high
3. ET Analysis – SIP stoppage ratio at 298% in April
4. Indian Express – Equity‑fund inflows decline 3.2% in April: AMFI
5. Business Today – SIPs soar despite equity‑fund dip
6. ICRA Analytics – Mutual Fund Screener (Mar 2025)
7. ET Topics – AMFI data & SIP AUM trends
8. Mint – Why investors stick with SIPs in volatile markets
9. HBR – The power of automatic save & invest behaviors
10. Mutual Fund Observer – Industry SIP insights (May 2025)