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Systematic Investment Plans (SIPs) have been one of the biggest success stories in Indian investing.
In FY26 alone, SIPs mobilised around ₹3.5 lakh crore - eight times what they did just nine years ago.
Rupee cost averaging, convenience, and the quiet power of compounding have helped millions of Indians build real wealth.
But if you look at SIP returns over the last couple of years, something feels off. Across indices, returns are either flat, in single digits, or in the red.
The easy explanation for this is that markets have gone nowhere during this period. But there’s a bigger story brewing deeper within… the very nature of your SIPs may be quietly changing.
Indian markets aren’t what they were 10 or 20 years ago, and that shift is reshaping how your SIPs behave.
In this video, we discuss 5 structural SIP trends that every mutual fund investor should understand right now.
Chapters
00:00 Intro
01:41 Trend 1
03:17 Trend 2
04:43 Trend 3
07:12 Trend 4
08:41 Trend 5
10:10 Conclusion
A few things covered along the way:
Why the era of high SIP returns may be behind us
What drove your SIP returns in recent years and why that can be a risk
Deep market crashes and why they matter for your SIP
Do let us know in the comments on what your SIP returns have looked like lately, and whether these trends change how you think about them.
And if this breakdown helped you see your SIPs in a new light, share it with your friends and family.
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Related videos: Mid & Small-Cap Funds Have Run Up Fast. What Should MF Investors Do? https://www.youtube.com/watch?v=uYW0caB7SXY
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