New Delhi, March 22 -- India is in the middle of a genuine financial shift. For decades, household savings largely flowed into fixed deposits, gold, and real estate. Today, a growing share is moving into equities - primarily through mutual fund SIPs.

The numbers are not anecdotal; they are structural.

Monthly SIP inflows stood at Rs.29,845 crore in February 2026, after crossing Rs.31,000 crore in January. Total mutual fund assets are now about Rs.82 lakh crore, with SIP assets alone at roughly Rs.16.36 lakh crore. Nearly 9.92 crore SIP accounts are actively contributing. Over a longer horizon, the change is even more visible: the share of equity and mutual funds in household financial savings has risen from about 2% in FY12 to 15.2% in ...