SIPs in hybrid, multi-asset schemes to drive retail flows in 2026
Dear reader, as 2025, a year of global tumult and volatility, rolls by, Mint's reporters and columnists look around the corner on what is coming in 2026—to help you know what to expect and prepare for it. Tell us what you think at [email protected].Mumbai: Despite equity markets remaining muted, systematic investment plans (SIPs) are set to drive the retail mutual fund assets under management (AUM) next year, with most of the flows expected to go towards hybrid and multi-asset schemes.Within equity and hybrid mutual funds, 27% of the assets under management are contributed by retail investors, who are defined as those investing less than ₹2 lakh.
The SIP flows primarily come from retail investors, whereas bigger investors use the lump-sum route.As of September, the retail equity and hybrid mutual fund AUM stands at ₹19 trillion, as per Association of Mutual Funds of India (Amfi), 25% of the overall assets. Debt mutual funds were not considered here as they have assets coming from corporates and institutions.Although investments in equity mutual funds have declined so far this year compared to last year, experts foresee steady growth through SIPs.
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