← Business Metric: Industry Specific (Consumer, Services & Financial) (all topics)
SIP flows & folio stability
What it is
Systematic investment plans are monthly automated contributions into mutual funds, and are the industry's most stable flow source. Monthly SIP inflows have run near record levels around Rs 29,000-30,000 cr, with FY26 SIP-driven active equity net inflows around Rs 2.3 trillion
The stoppage ratio measures how many SIPs are discontinued against new registrations
Impact on industries
- The single most valuable feature of the Indian AMC model - recurring monthly flows give revenue visibility no transactional business has
- SIP money is behaviourally sticky, so it cushions AUM during market falls when lump-sum flows reverse
- Flows are competing against asset classes showing visible short-term returns, and stoppage ratios are watched for exactly that reason
- Lump-sum flows are the swing factor - they rebound and collapse with sentiment while SIPs hold, so headline flow figures mix two different behaviours