Economic Survey 2025: Economic Survey 2025 has brought some interesting facts, one of which is the growing interest of retail investors in mutual funds, especially through SIP. According to the survey, Monthly Average Gross SIP Flows have almost doubled in the last 3 years. In FY 2022, this number was ₹0.10 lakh crore, which has now increased to ₹0.23 lakh crore by FY 2025 (till Dec 2024).
Economic Survey 2025 released before Budget 2025
Union Finance Minister Nirmala Sitharaman presented the Economic Survey 2024-25 in Parliament on 31 January 2025. This survey gives an overview of the current economy of the country and also mentions the challenges that may arise in the coming time.
According to the Economic Survey, the estimate of GDP growth for FY 2026 can be from 6.3% to 6.8%. Foreign exchange reserves stood at $640.3 billion at the end of December 2024 and the Current Account Deficit stood at 1.2% in Q2 FY 2025. But the most important thing to note is the increasing contribution of retail investors to mutual funds through SIP.
Number of SIP Accounts increased
According to the Economic Survey, by December 2024, the number of SIP accounts has crossed 10 crore, which is much higher than the 5.2 crore SIP accounts of FY 2022. The total inflow through SIP has reached ₹ 10.9 lakh crore.
Monthly Average Gross SIP Flows:
FY 2022: ₹0.10 lakh crore
FY 2025 (till Dec 2024): ₹0.23 lakh crore
The total valuation of assets managed through SIP has also increased rapidly:
FY 2022: ₹5.8 lakh crore
FY 2024: ₹10.7 lakh crore
FY 2025 (till Dec 2024): ₹13.6 lakh crore
SIP Contributions also increased
SIP contribution is also increasing:
FY 2022: ₹1.2 lakh crore
FY 2025 (till Dec 2024): ₹2.1 lakh crore
Along with this increase, mutual funds The ownership of has reached a new all-time high of 9.5% in listed companies from 8.7% in FY 2024.
What is SIP?
If you are a new investor, then a question may arise in your mind – what is SIP?
SIP i.e. Systematic Investment Plan is a method in which you can invest small amounts in mutual funds, like every month, every week or every day. Its biggest advantage is that you do not have to invest a large amount at once and you also get the benefit of rupee cost averaging.
Retail Participation also saw a rapid growth
According to the Economic Survey, retail participation has also grown at a rapid pace:
FY 2021: 2.9 crore unique investors
FY 2024 (till Dec 2024): 5.6 crore unique investors
Due to strong market performance and increasing retail participation, the total asset size of mutual funds has reached ₹66.9 lakh crore by December 2024, which is 25.3% more than March 2024.
Conclusion
The Economic Survey 2025 shows that investing through SIPs has become a popular and effective method, especially for new investors. The decline in monthly SIP flows, the increase in retail participation and the rapid growth of the total mutual fund asset size all indicate that this trend will continue strongly in the future. If you are also thinking of making your mark in the world of investing, then SIP can be a great start!
