Over 8.6 crore individuals in India are now actively using Systematic Investment Plans (SIPs) to invest every month. This growing interest shows a shift in preference toward structured and consistent financial habits.
If you’re exploring the best SIP plans in India, want to compare fixed deposit vs SIP, or are just starting out with your first systematic investment plan, this article explains how SIPs are helping lakhs of individuals take simple steps each month — and how you can too.
📈 SIP in 2025: Key Facts You Should Know
SIP contributions hit ₹27,269 crore in June 2025, a new all-time high.
8.64 crore SIP accounts were actively investing by July-end.
Over 1.67 crore new SIPs were started in Q2 2025 alone.
SIP Assets Under Management (AUM) crossed ₹15.31 lakh crore, now 20.6% of the mutual fund industry’s total AUM.
✅ Why Are SIPs Becoming So Popular?
People often compare SIP vs FD (fixed deposit) and find SIPs more attractive due to:
Potentially higher SIP returns over the long term.
Flexibility in the amount and duration.
Professional fund management.
Options to select from top performing mutual funds.
Even those who traditionally preferred FDs are now exploring tools like an FD calculator and a SIP calculator to compare outcomes more accurately.
💡 Best Mutual Funds for SIP in 2025
Here are some characteristics of popular SIP choices this year:
Choice to select from Diversified equity funds/Thematic / Sectoral mutual funds
Strong track record over 5–10 years
Low expense ratios
Available with minimum investment starting as low as ₹500
Explore some of the best mutual funds to invest in through SIPs, especially for those looking for wealth buiding through best SIP’s for long term
🔁 What About SWP Mutual Funds?
Once your SIP has grown over time, you may consider SWP mutual funds (Systematic Withdrawal Plan) to start taking periodic payouts.
Ideal for passive income needs
Many investors use SWP for monthly income after 7–10 years of SIP contributions
Tax-efficient under current norms
🔍 Tax Saving Investment Options via SIP
SIPs into ELSS (Equity Linked Savings Scheme) funds are one of the most popular tax saving investment options in India today. With a lock-in of just three years and equity growth potential, ELSS funds are being increasingly chosen by salaried employees, buisiness owners and professionals
🚀 How to Invest in Mutual Funds via SIP
Starting your SIP is simpler than ever. Here’s a quick path:
Choose the scheme from a list of top performing mutual funds.
Use an online platform like SAP Finmart.
Use a SIP calculator to check your expected corpus.
Set your SIP goals and investment would start in the selected schemes.
Monitor growth and consider reviewing every 12–18 months.
With SIPs, you’re investing in a disciplined manner — month after month — even if the markets fluctuate.
🧠 SIP Investment Benefits That Matter in 2025
Power of compounding over long periods
Rupee-cost averaging shields against market volatility
No timing needed — automatic and consistent
Tax benefits if using ELSS SIPs and lower capital gain tax on equity funds over long period.
Transparent performance data from trusted AMCs.
All of these benefits make SIPs one of the best investment options today for salaried individuals, professionals, NRIs, and even retirees.
🏁 Conclusion
As more Indians adopt SIPs each month, the trend is clear: simple, consistent investing is here to stay. Whether you’re comparing fixed deposit vs SIP, looking for how to invest in mutual funds, or exploring tax saving investment options, SIPs offer a practical and accessible path forward.
Start your journey today. Use tools like our SIP calculator and explore the best mutual funds for SIP curated by our experts at SAP Finmart.