Systematic Investment Plan (SIP) contributions in India achieved a historic milestone in December 2025, reaching an all-time high of ₹31,002 crore. This figure signifies a notable increase from the ₹29,445 crore recorded in November 2025, demonstrating a consistent and strong participation from retail investors in the mutual fund sector. The Association of Mutual Funds in India (AMFI) data, released on January 9, 2026, highlights the growing financialization of savings in the country. Despite the record SIP inflows, overall equity mutual fund inflows experienced a slight moderation, falling by 6.21% to ₹28,054.06 crore in December 2025 from ₹29,911.05 crore in the preceding month. This indicates a more selective and disciplined approach by investors, potentially balancing return expectations with valuation comfort amidst market volatility. Conversely, debt-oriented mutual funds witnessed substantial outflows, with investors withdrawing ₹1,32,410.37 crore, primarily driven by liquid funds. Gold Exchange-Traded Funds (ETFs) emerged as a strong performer, attracting record net inflows of ₹11,646.74 crore, reflecting a growing preference for diversification and safe-haven assets. Flexi-cap funds continued to be the highest contributors among equity categories, with net inflows of ₹10,019.27 crore. The number of contributing SIP accounts also reached a new peak of 9.79 crore, with 60.46 lakh new SIPs registered during December. Industry experts note that these sustained SIP contributions are a natural outcome of disciplined investor participation and a strategic use of market corrections for increased investments, underpinning the resilience of India's retail equity market.