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On Mutual funds

The Indian mutual fund industry’s total Assets Under Management (AUM) reached ₹80.23 trillion (approx. $910 billion) as of December 31, 2025. The industry continues to grow with high investor participation via Systematic Investment Plans (SIPs).

Key Statistics (as of December 2025)

  • Total AUM: ₹80.23 trillion
  • Total Investor Accounts (Folios): 26.13 crore (261.3 million)
  • Unique Investors: Over 5.34 crore (53.4 million) unique PAN-linked investors as of March 2025.
  • Monthly SIP Inflows: Hit a record high of 31,001.67 crore in December 2025.
  • Total SIP Accounts: Rose to an all-time high of 9.79 crore.

Key Regulatory Bodies & Data Sources

Authoritative and updated data on the Indian mutual fund industry can be accessed through the following official sources:

  • AMFI India (Association of Mutual Funds in India): Provides monthly and historical data on AUM, fund performance, and SIP flows.
  • SEBI (Securities and Exchange Board of India): The market regulator that publishes official statistics and regulations regarding mutual fund investments.

Industry Trends

  • Financialization of Savings: There is a clear trend of Indian households moving a larger portion of their savings from traditional bank deposits (which still account for 95% of savings) into mutual funds.
  • Shift Towards Passive Investing: Over a 10-year period, a majority of actively managed large-cap funds have failed to beat their benchmarks, a trend observed globally, potentially increasing interest in passively managed funds.
  • Growth in Fintech: The rise of fintech platforms has made mutual funds more accessible, particularly to younger demographics who are increasingly interested in sustainable and socially responsible (ESG) investment options.

AUM Breakup by Category (as of December 2025)

Fund Category Assets Under Management (AUM)
Open-ended Equity-oriented Schemes ₹35.73 lakh crore
Open-ended Debt-oriented Schemes ₹18.10 lakh crore
Hybrid Schemes ₹10,756 crore (inflows for Dec)
Other Schemes (including ETFs) ₹26,723 crore (inflows for Dec)