Women investors are staying invested in SIPs for longer periods, showing improving investment discipline and confidence in mutual funds.
According to AMFI data, SIP accounts with a holding period of more than five years now account for 21% of total SIP AUM of women investors in December 2025, up from 11% in December 2020.
The number of women’s SIP accounts also rose sharply during the period. The total SIP accounts increased to 2.93 crore while SIP AUM grew four times to Rs 5.26 lakh crore between December 2020 and December 2025.
The report said the increase in long-term SIP holdings reflects deeper participation and sustained investing behavior among women investors. At the same time, fresh investor participation also remained strong, especially in SIP accounts with holding periods of up to two years.
Here is the data:
|
SIP Vintage
|
SIP AUM % of Overall (Dec 2020)
|
No of SIP Accounts % (Dec 2020)
|
SIP AUM % of Overall (Dec 2025)
|
No of SIP Accounts % (Dec 2025)
|
|
Less than 1 year
|
46%
|
23%
|
37%
|
33%
|
|
1 to 2 years
|
18%
|
18%
|
15%
|
23%
|
|
2 to 3 years
|
13%
|
19%
|
12%
|
13%
|
|
3 to 4 years
|
8%
|
14%
|
9%
|
10%
|
|
4 to 5 years
|
5%
|
8%
|
6%
|
8%
|
|
> 5 years
|
11%
|
10%
|
21%
|
13%
|
T30 and B30 cities record strong SIP growth
Women investors across both T30 and B30 cities reported strong growth in SIP accounts and assets over the last five years.
In T30 cities, women’s SIP accounts increased 2.91 times from 52 lakh in December 2020 to 1.51 crore in December 2025. In B30 cities, SIP accounts grew 4.2 times from 34 lakh to 1.41 crore during the same period.
Women’s SIP AUM also recorded strong growth across regions. In T30 cities, SIP AUM rose over four times to Rs 3.55 lakh crore in December 2025 from Rs 82,000 crore in December 2020. In B30 cities, SIP AUM increased 4.46 times to Rs 1.72 lakh crore from Rs 38,000 crore.
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