SIPs in 2025: Top Trending SIPs and a Complete Guide
SIPs (Systematic Investment Plans) have been a major source of stock investment for general Indians. As a result, monthly investments and inflows broke all the records. Recent data shows that mutual fund SIP inflows reached up to ₹29,529 crore in October 2025. This is a clear signal that investors are clearly choosing the SIP for small contributions on a consistent basis.
The Power of Steady Contributions For India’s Market
SIP investments have been driving money flow in the nation’s equity market. Think about millions of people investing small amounts on a monthly basis. This collaborative support acts as a powerful force in shaping India’s equity market.
What Changed in 2025
In 2025, we can see a sharp jump in contributions from both existing SIP accounts and new additions. This clearly shows that SIP is becoming a household thing, rather than being for experienced investors.
Fastest Growing SIP Categories
| SIP Category | Reason for Growth | Example Schemes |
| Large and Mid Cap | Strong interest across both segments | ICICI Pru Large & Mid Cap, Mirae Asset Large & Midcap |
| Mid Cap | Higher YTD performance | Axis Midcap, Nippon India Growth |
| Flexi Cap | Flexible market allocation | Parag Parikh Flexi Cap, HDFC Flexi Cap |
| Small Cap | Strong but volatile performance | Quant Small Cap, Nippon India Small Cap |
Source:
https://www.sbisecurities.in/blog/top-15-sip-mutual-fund-plans-for-higher-returns-in-2025?
Key Forces Behind the SIP Rise
The rapid increase of SIPs was due to favourable market conditions combined with cutting-edge technology. Solid corporate profits provided investor confidence, while the seamless digital ease of managing investments was a major factor, too. Moreover, more people find it seamless to manage the SIP online with quick actions.
Average Monthly SIP Size in 2025
Usually, one can start SIP investment with merely 500 Rs. However, the year 2025 witnessed a positive increase in the contribution size. One major reason behind it is investors making SIP investments to raise monthly payments seamlessly without much risk.
Why SIPs Gained More Preference This Year
In 2025, lots of people chose SIPs (Systematic Investment Plans) because of their simple and smart approach to handling market swings. Instead of waiting for the best moment to invest in a large lump sum, SIPs emerged as a top choice among investors. In simple words, SIP investment is easy to manage and less risky for everyone.
Step-by-Step SIP Process To Start SIP
Let’s dig deep into the simple step-by-step process to start an SIP today. Usually, it takes just a couple of minutes to complete the process on various platforms.
| SIP Steps | What Should You Know |
| Step 1 | First, you need to choose the platform and complete verification. |
| Step 2 | Select from large-cap, flexi-cap, or other options. |
| Step 3 | Make sure to decide the investment amount every month. |
| Step 4 | Complete the auto debit process from the preferred bank. |
| Step 5 | Choose the SIP starting date and confirm. |
Top-Performing SIPs in 2025
| Fund Category | 2025 Trend | Example SIP Schemes |
| Mid Cap Funds | Strong year to date performance with rising retail interest | Axis Midcap Fund
Nippon India Growth Fund |
| Flexi Cap Funds | Steady inflows due to flexible market allocation | Parag Parikh Flexi Cap Fund
HDFC Flexi Cap Fund |
| Small Cap Funds | Sharp performance jumps along with higher volatility | Quant Small Cap Fund
Nippon India Small Cap Fund |
| Large and Mid Cap Funds | Consistent inflow growth through the year | ICICI Prudential Large & Mid Cap Fund
Mirae Asset Large & Midcap Fund |
Source:
Main Risks to Track in 2025
- Higher Volatility: This is because of the combination of more mid and small-cap stocks.
- Sudden Shifts: Sudden or unpredictable market changes can impact short-term results.
- Sector Risk: Major investments in a single industry also create vulnerable conditions.
Conclusion
SIPs in 2025 highlight the overall contributions of small and continuous investments made by millions of Indians. Because of huge inflows and easy digital processes, these investments are redefining India’s equity market and national wealth building.
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This analysis is for informational purposes only. Please consult a SEBI-registered financial advisor before investing.
– Chandan Pathak
Equity Research Analyst, StockYaari