The Indian mutual fund industry experienced substantial growth during the period following the COVID-19 pandemic, and Systematic Investment Plans (SIPs) became an increasingly prominent route for retail participation. This article examines SIP growth and changing investment behaviour among Indian investors using published secondary data for the period around 2020–2025. The study considers SIP contributions, SIP accounts, assets under management, digital access, financial awareness, changing preferences for market-linked investments, and challenges affecting continuation.

Information was drawn from the Association of Mutual Funds in India, the Securities and Exchange Board of India, and selected academic and industry publications. The reviewed data showed a marked increase in annual SIP contributions, account numbers and SIP assets under management. The source report recorded annual SIP contributions of approximately ₹2.89 lakh crore for financial year 2024–2025 and reported that mutual fund industry assets had reached a substantial level by March 2025. The evidence also indicated that mobile investment platforms, simplified onboarding and recurring payment facilities had made participation more convenient. However, the aggregate data did not establish that these factors directly caused the growth. Financial literacy gaps, unsuitable product selection, geographic concentration and discontinuation remained relevant concerns. The article concludes that sustainable growth in systematic investing requires clear risk communication, goal-based planning, investor education and better understanding of why investors continue or stop contributions.