Market downturns notwithstanding, retail investors continued to invest through the SIP route with the total amount collected in April 2025 raising to its highest since January this year. Total amount collected through SIP increased by Rs 232 crore in April 2025 at Rs 26,632 crore, up from Rs 26,400 crore in January this year. On a month-on-month basis, the amount collected through SIP increased by 2.72 per cent from Rs 25,926 crore in March 2025.
The steady rise in SIP contributions, even amid market volatility, highlights investors’ growing confidence and commitment to long-term wealth creation. This trend shows their resilience in facing market fluctuations and their determination to stay focused on their financial objectives.
Market downturns may be considered as an opportunity, and staying invested will result in increased accumulation of mutual fund units, which will benefit the investor once the market recovers in the long run. Regular investments through SIPs can help average out the purchase cost of mutual fund units over time, reducing the impact of market volatility.
SIP Performance for Equity mutual funds. Top 5 sorted based on 5-year yield
Source: MFI 360 Explorer
| Scheme Name | 1 Year | 3 Year | 5 Year |
| ICICI Prudential Infrastructure Fund | -5% | 25.10% | 31.10% |
| SBI PSU Fund – Growth | -4.48% | 30.15% | 30.63% |
| Motilal Oswal Midcap Fund – Reg – Growth | -5.08% | 26.46% | 30.12% |
| HDFC Infrastructure Fund – Growth | -6.69% | 25.62% | 29.68% |
| Aditya Birla Sun Life PSU Equity Fund – Reg – Growth | -8.18% | 26.54% | 29.47% |
SIP Performance for debt mutual funds. Top 5 sorted based on 3-year yield
| Scheme Name | 1-Year | 3-Year | 5-Year |
| Franklin India STIP – Growth | 487.12% | 86.48% | 50.03% |
| DSP Credit Risk Fund – Reg – Growth | 32.27% | 18.65% | 14.47% |
| HSBC Credit Risk Fund – Growth | 34.10% | 15.38% | 11.26% |
| Aditya Birla Sun Life Credit Risk Fund – Reg – Growth | 18.93% | 12.56% | 10.49% |
| Aditya Birla Sun Life Medium Term Plan – Reg – Growth | 15.75% | 11.92% | 12.75% |