{"id":8421,"date":"2025-01-20T12:51:32","date_gmt":"2025-01-20T12:51:32","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=8421"},"modified":"2026-08-12T06:11:44","modified_gmt":"2026-08-12T06:11:44","slug":"sip-growth-in-india","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/sip-growth-in-india\/","title":{"rendered":"SIP Growth in India"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#1-sip-growth\">1. SIP growth<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#2-sip-tenure-and-wealth-creation\">2. SIP Tenure and Wealth Creation<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#3-sip-and-market-volatility\">3. SIP and Market Volatility<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#4-sip-returns-vs-traditional-investment-avenues\">4. SIP Returns vs Traditional Investment Avenues<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#compared-to-fd-returns\">Compared to FD Returns:<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#5-power-of-small-si-ps\">5. Power of Small SIPs<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#case-study\">Case Study:<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#6-popular-sip-dates\">6. Popular SIP Dates<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#7-sip-in-sectoral-funds\">7. SIP in Sectoral Funds<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#8-sip-vs-lump-sum-investment\">8. SIP vs Lump-Sum Investment<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#9-sip-top-up-feature\">9. SIP Top-Up Feature<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#10-global-sip-trends\">10. Global SIP Trends<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul>\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"jetpack-video-wrapper\"><iframe title=\"Mutual Fund Secrets That Will SAVE You Thousands!\" src=\"https:\/\/www.youtube.com\/embed\/_SztqnB1M34?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<blockquote style=\"border-left:4px solid #e8622f;background:#fdf1ec;padding:18px 22px;margin:1.5em 0;line-height:1.8\"><strong>&#128161; Quick Answer<\/strong><br>India&#8217;s SIP book has grown sharply, crossing &#8377;15,000 crore of monthly inflows in 2024 with over 6 crore active SIP accounts. Longer tenures have delivered better outcomes: 10-year SIP CAGR on the Nifty 50 TRI was about 15.6%, against roughly 7% for a five-year fixed deposit.<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-cfe613fdd1c9a026bbdcf2d329111130\" id=\"1-sip-growth\" style=\"color:#023368\"><strong>1. SIP&nbsp;growth&nbsp;<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">The SIP book in India has grown significantly in the last decade, crossing \u20b915,000 crore monthly inflows in 2024.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Over 6 crore SIP accounts are currently active, showcasing the increasing popularity of this disciplined <a href=\"https:\/\/navia.co.in\/\">investment <\/a>approach.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-ff22238634445ee3e274980c1c707abb\" id=\"2-sip-tenure-and-wealth-creation\" style=\"color:#023368\"><strong>2. SIP Tenure and Wealth Creation<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Longer the Tenure, Better the Returns:<\/strong> Historical data shows that <a href=\"https:\/\/navia.co.in\/blog\/which-sip-frequency-to-select\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\" data-type=\"post\" data-id=\"8262\">SIP<\/a> returns improve with the increase in investment tenure, due to the power of compounding and rupee-cost averaging.<\/li>\n<\/ul>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>3-Year SIP CAGR (Nifty 50 TRI):<\/strong> ~12.9%<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>5-Year SIP CAGR (Nifty 50 TRI):<\/strong> ~15.2%<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>10-Year SIP CAGR (Nifty 50 TRI):<\/strong> ~15.6%<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-d7badf45cafc41d30e74da8e431812f2\" id=\"3-sip-and-market-volatility\" style=\"color:#023368\"><strong>3. SIP and Market Volatility<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">SIPs thrive in volatile markets due to <strong>rupee-cost averaging<\/strong>, allowing investors to buy more units when prices are low and fewer units when prices are high.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><a href=\"https:\/\/navia.co.in\/blog\/what-is-the-ideal-investment-time-horizon-for-sip\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">Historical analysis <\/a>of bear and bull markets shows SIPs outperform <a href=\"https:\/\/navia.co.in\/blog\/sip-vs-lump-sum-choosing-the-right-investment-strategy-for-you\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\" data-type=\"post\" data-id=\"2353\">lump-sum investments<\/a> in most cases.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-e9d5ae0f533abc52015f4c7314122d0f\" id=\"4-sip-returns-vs-traditional-investment-avenues\" style=\"color:#023368\"><strong>4. SIP Returns vs Traditional Investment Avenues<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-a9659433282003d50f71094babe7f949\" id=\"compared-to-fd-returns\" style=\"color:#ec4d37\"><strong>Compared to FD Returns:<\/strong><\/h3>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Fixed deposits have historically provided ~6-8% returns.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">SIPs in equity mutual funds have delivered ~12-15% over a 10-15 year period.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Investment Type<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Average Returns<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Tax Implication<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td>Fixed Deposit (5 yrs)<\/td><td>~7%<\/td><td>Taxable as per slab rates<\/td><\/tr><tr><td>SIP in Equity (10 yrs)<\/td><td>~12-15%<\/td><td>12.5% on LTCG &gt; \u20b91.25 lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-f8b18354f0434ced7d47268611771640\" id=\"5-power-of-small-si-ps\" style=\"color:#023368\"><strong>5. Power of Small SIPs<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">A small SIP of \u20b95,000 per month over 20 years can potentially grow to nearly \u20b950 lakh, assuming an annualized return of 12%.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-b632954441b93367bf40f8f9855583df\" id=\"case-study\" style=\"color:#ec4d37\"><strong>Case Study:<\/strong><\/h3>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Monthly SIP: \u20b95,000<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Tenure: 20 Years<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">CAGR: 12%<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Final Value: \u20b949.4 lakh (approx.)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-a4c595cd937f585cf1ac6f6a72435bd4\" id=\"6-popular-sip-dates\" style=\"color:#023368\"><strong>6. Popular SIP Dates<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Data from mutual funds shows no significant difference in returns based on <a href=\"https:\/\/navia.co.in\/blog\/which-date-to-select-for-monthly-sip\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">SIP dates<\/a>.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Selecting a SIP date closer to salary credit ensures timely investment.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-534a43c9cf4b28d6b068a53d0bc3c68a\" id=\"7-sip-in-sectoral-funds\" style=\"color:#023368\"><strong>7. SIP in Sectoral Funds<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Sector-specific SIPs, such as IT or Pharma funds, can yield higher returns in short periods but carry concentrated risk. Chasing last year&#8217;s winner by <a href=\"https:\/\/navia.co.in\/blog\/switch-best-performing-index-every-year-sip\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">switching to the best-performing index<\/a> has its own record.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Example:<\/strong> IT funds during the tech boom delivered 20%+ SIP returns over 5 years but underperformed in subsequent periods.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-dc921774952ed904be3399a4ec443402\" id=\"8-sip-vs-lump-sum-investment\" style=\"color:#023368\"><strong>8. SIP vs Lump-Sum Investment<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">SIPs often outperform lump-sum investments during volatile and bearish markets.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Example:<\/strong>\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Lump-sum investment in Nifty in Jan 2008 saw negative returns by Dec 2010.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">SIP in the same period yielded positive returns due to averaging.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/navia.co.in\/app.html\" style=\"background-color:#ec4d37\"><strong>Get Navia APP<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-534cc19475e68b410e5c6bd92a4f8e5d\" id=\"9-sip-top-up-feature\" style=\"color:#023368\"><strong>9. SIP Top-Up Feature<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">A <a href=\"https:\/\/navia.co.in\/blog\/does-sip-top-up-make-sensewho-should-consider-it\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">SIP Top-Up<\/a> allows investors to increase their contribution annually, which helps align with inflation and salary hikes.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Example:<\/strong>\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Monthly SIP: \u20b910,000<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Annual Top-Up: 10%<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Tenure: 15 Years<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Final Value: \u20b996.4 lakh vs \u20b950.6 lakh without top-up (12% CAGR).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-40cedd40c1a092c7cb9e5586b1457ba2\" id=\"10-global-sip-trends\" style=\"color:#023368\"><strong>10. Global SIP Trends<\/strong><\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">The SIP model has inspired similar mechanisms in global markets like the US (Dollar-Cost Averaging).<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Popular ETFs like S&amp;P 500 index funds in the US see similar automated monthly investments.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/open.navia.co.in\/index-navia.php?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=blog&amp;utm_content=sip_growth_CTA\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"149\" style=\"max-width:100%;height:auto\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/image-9-1024x149.png\" alt=\"Open a free Navia demat account\" class=\"wp-image-8434\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/image-9-1024x149.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/image-9-300x44.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/image-9-150x22.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/image-9-768x112.png 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/image-9.png 1028w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 style=\"color:#ec4d37\">Key Takeaways<\/h3>\n<ul style=\"margin:1em 0;line-height:1.9\">\n<li style=\"margin-bottom:0.8em;line-height:1.8\">SIP is a disciplined investment approach designed for <a href=\"https:\/\/navia.co.in\/blog\/large-cap-mid-small-cap-sip-long-term-investing\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">long-term wealth creation.<\/a><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">It allows investors to benefit from market volatility, beat inflation, and achieve <a href=\"https:\/\/navia.co.in\/blog\/how-the-stock-market-help-you-achieve-your-goals\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">financial goals.<\/a><\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">By aligning SIPs with tenure, fund types, and top-up options, investors can significantly enhance their returns over time.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">The SIP book crossed &#8377;15,000 crore of monthly inflows in 2024, with over 6 crore accounts active.<\/li>\n<li style=\"margin-bottom:0.8em;line-height:1.8\">Neither the <a href=\"https:\/\/navia.co.in\/blog\/which-date-to-select-for-monthly-sip\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">date<\/a> nor the <a href=\"https:\/\/navia.co.in\/blog\/is-it-better-to-time-my-monthly-sip-investments\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=sip\">day you buy on<\/a> moves long-term returns much; tenure and discipline do.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-2a2c6d7a1bfd44162ebeaf7413be311b\" id=\"frequently-asked-questions\" style=\"color:#023368\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">How much money is invested through SIPs in India?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">The SIP book in India has grown significantly in the last decade, crossing &#8377;15,000 crore in monthly inflows in 2024, with over 6 crore SIP accounts currently active.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Do SIP returns improve with a longer tenure?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">Yes. Historical data shows that SIP returns improve as investment tenure increases, due to compounding and rupee-cost averaging. On the Nifty 50 TRI, the 3-year SIP CAGR was about 12.9%, the 5-year about 15.2% and the 10-year about 15.6%.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">How do SIP returns compare with fixed deposits?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">Fixed deposits have historically provided around 6-8% returns, while SIPs in equity mutual funds have delivered about 12-15% over a 10-15 year period. A five-year fixed deposit at about 7% is also taxed at slab rates, against 12.5% on long-term capital gains above &#8377;1.25 lakhs for equity.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">How much can a small monthly SIP grow to?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">In the case study shown, a monthly SIP of &#8377;5,000 for 20 years at a 12% CAGR reaches a final value of approximately &#8377;49.4 lakh.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Does a SIP top-up make a large difference?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">In the example given, a &#8377;10,000 monthly SIP with a 10% annual top-up over 15 years at a 12% CAGR reaches &#8377;96.4 lakh, against &#8377;50.6 lakh without the top-up.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Do SIPs work better than lump-sum investing?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">SIPs often outperform lump-sum investments during volatile and bearish markets. A lump-sum investment in the Nifty in January 2008 saw negative returns by December 2010, while a SIP over the same period yielded positive returns due to averaging.<\/p>\n\n<\/details>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">We\u2019d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" style=\"max-width:100%;height:auto\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button.png\" alt=\"feedback yes or no button\" class=\"wp-image-8335\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:13px;line-height:1.6;color:#777\"><strong>DISCLAIMER: Investments in the securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Brokerage will not exceed the SEBI prescribed limit.<\/strong> Full disclaimer: <a href=\"https:\/\/bit.ly\/naviadisclaimer\" target=\"_blank\" rel=\"noopener\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>&#128161; Quick AnswerIndia&#8217;s SIP book has grown sharply, crossing &#8377;15,000 crore of monthly inflows in 2024 with over 6 crore active SIP accounts. Longer tenures have delivered better outcomes: 10-year SIP CAGR on the Nifty 50 TRI was about 15.6%, against roughly 7% for a five-year fixed deposit. 1. SIP&nbsp;growth&nbsp; The SIP book in India [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8452,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[209],"tags":[23,117,442,441,237],"class_list":["post-8421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-mutual-funds","tag-sip","tag-sip-2024","tag-sip-growth","tag-sip-returns"],"aioseo_notices":[],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/SIP-Growth-in-India.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"jetpack_featured_media_url":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/SIP-Growth-in-India.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/8421","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=8421"}],"version-history":[{"count":28,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/8421\/revisions"}],"predecessor-version":[{"id":19094,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/8421\/revisions\/19094"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/8452"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=8421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=8421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=8421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}