Negative impactStocks
SIP returns in last 3 yrs remain lacklustre even as inflows hit new high
BusinessLine 2 hrs ago·16 Sept 2026, 1:03 pm
Systematic Investment Plans (SIPs) have attracted record inflows over the last three years, yet the average returns remain lacklustre. While small and mid-cap funds have managed to deliver around 13 per cent, large-cap and hybrid schemes have struggled to post double-digit gains, with many delivering single-digit returns. This disconnect highlights the impact of market volatility and the widening valuation gap between different segments of the market.
For investors, this trend suggests that a simple SIP strategy may not automatically guarantee high returns. The performance of your portfolio is heavily dependent on the specific funds you choose and the market conditions at the time of investment. It is important to review your portfolio regularly to ensure it aligns with your financial goals and risk appetite.
Going forward, investors should focus on the asset allocation and the underlying performance of their chosen funds rather than just the total inflows. Monitoring the NAVs of your investments and staying updated on market trends will be crucial. Diversifying across different market caps and maintaining a long-term perspective can help navigate these fluctuations effectively.
Excerpt from BusinessLine
Notwithstanding the highest-ever inflow of ₹32,297 crore through SIP in August, most of the equity funds have delivered single-digit returns in last three years. The overall inflows through SIP at ₹1.58 lakh crore in the last 5 months have touched 45 per cent of last fiscal inflow of ₹3.50 lakh crore. In fact, except…Read the original at BusinessLine
Key takeaways
- Category: Stocks.
- AI reads the tone as negative (potentially bearish) for the stock.
- Assessed as a significant, market-relevant update.
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