Over 2.3 crore MF folios have SIPs of ₹3,000 or more. How much can they build in 15 years?

Moreover, there were over 2.3 crore mutual fund folios with monthly SIP flows of ₹3000 or more during FY 2025-26. Data shows that more than 29 lakh folios accounted for SIP contributions of ₹10,001 and above.

Most SIP flows were in ₹501 to ₹1000 (3.05 crore folios), ₹1001 to ₹3000 (3.35 crore folios) and ₹3001 to ₹5000 (1.44 crore folios) contribution brackets. Around 61.7 lakh folios had SIP flows ranging from ₹5001 to ₹10,000.

"In 2025-26, the number of SIP accounts grew by 3.9 per cent, rising from 10.05 crore to 10.45 crore. During this period, 7.2 crore new SIPs were registered, while 6.8 crore were either discontinued or reached maturity. Financial inflows also trended upward, with the average net monthly SIP contribution increasing by 25.8 per cent from ₹13,052 crore to ₹16,413 crore," SEBI said in its annual report.

The calculations show that a monthly SIP of ₹3000 could grow to ₹15.1 lakh at a 12% annual return and ₹12.5 lakh at a 10% annual return over 15 years. Meanwhile, a monthly SIP of ₹20,000 could build a corpus of ₹1 crore at a 12% return and ₹83.6 lakh at a 10% return. The table below shows the potential corpus value that can be generated with different SIP amounts over 15 years.

Points to note

SIPs in equity mutual funds can help grow wealth over the long term. However, investors should opt for mutual fund SIP only if they have a long investment horizon. Moreover, one should align investments in any equity mutual fund schemes with his/her financial goals, risk appetite, and risk-taking capacity.

For instance, a young investor with several decades ahead of him until retirement, is likely to have a higher risk-taking capacity than someone who is nearing retirement or is already retired. While the former may find equity mutual funds suitable for accumulating wealth to meet long-term goals, the latter be better served by debt or other fixed-income instruments.

It is also important to consult a financial advisor to chose schemes that are best suited to an individual's financial goals, investment horizon, and risk profile.