Individual investors now account for more than 61% of total mutual fund assets under management (AUM). Retail investors contribute 27.01% while high-net-worth individuals (HNIs) make up 33.67%.
Corporates, banks, FPIs lag behind
Corporates hold about 37.14% of total AUM. Banks and financial institutions account for 2.13% while foreign investors (FPIs/FIIs) make up just 0.05%.
Equity funds remain dominant, forming around 55% of total AUM.
Retail AUM growth outpaces industry
The industry AUM grew at a compound annual growth rate (CAGR) of 20% over the last 10 years, ending June 2025. In comparison, individual investors’ AUM expanded at a 23% CAGR in the same period.
In the last five years, industry AUM grew by 24% CAGR. Individual investor AUM rose by 23% annually.
Equity schemes remain top pick
Almost 87% of individual investor assets are in equity-oriented schemes. Debt-oriented schemes account for 8%, ETFs and fund-of-funds hold 3%, and liquid or money market instruments cover 2%.
Institutional investors spread their money differently. They hold 28% in liquid funds, 25% in debt, 28% in ETFs/FoFs and only 19% in equity-oriented schemes.
ALSO READ | NBFCs offer higher fixed deposit rates than banks — but should you opt in?
SIP ticket size moves closer to ₹3,000
The average SIP ticket size climbed to ₹2,966 in June 2025, nearing the ₹3,000 mark. This is higher than the pre-pandemic level of ₹2,861 recorded in December 2019.
Domestic investors continue to lead inflows. Domestic institutional investors (DIIs) brought in net inflows of ₹6.5 lakh crore over the past 12 months, while foreign investors saw net outflows of ₹3 lakh crore.
Passive funds see 17x rise
Passive fund folios have grown nearly 17 times in five years. Passive fund AUM touched an all-time high of ₹12.33 lakh crore in June 2025, registering 21% year-on-year growth. Their share of total AUM rose from around 10% in 2021 to 17% in June 2025.
Sectoral and thematic funds attract high sales
Sectoral and thematic funds continue to draw investor interest. These categories recorded the highest gross and net sales among equity segments in the last year.
In June 2025 alone, gross sales touched ₹9,634 crore with redemptions of ₹9,158 crore, resulting in net sales of ₹476 crore for the month. Net sales for the category crossed ₹1.04 lakh crore over the past 12 months.
ALSO READ | DIY investing or professional advice — what works best for your money?
