Equity Culture in India and the Role of Mutual Funds

Tue, 12 May 2026 00:00:00 +0000

Equity culture in India refers to the gradual but accelerating integration of equity-linked instruments into the savings and investment behaviour of ordinary Indian households. Mutual funds have been the dominant vehicle through which this cultural shift has occurred, serving as an accessible, regulated, and professionally managed pathway for the middle class to participate in Indian corporate growth. The transition from a predominantly physical-asset and bank-deposit savings culture to one incorporating equity exposure is one of the most consequential structural changes in India’s financial landscape since liberalisation.

SIP Growth Story in India

Tue, 12 May 2026 00:00:00 +0000

The Systematic Investment Plan (SIP) growth story in India is among the most significant developments in the country’s financial history: a product designed to make mutual fund investing affordable and habit-forming for ordinary savers has grown from negligible volumes in the late 1990s to monthly inflows of over Rs 25,000 crore by early 2025, supported by over 10 crore active SIP accounts. The SIP’s rise transformed mutual fund investing from an event-driven, lump-sum activity of affluent investors into a recurring financial behaviour of the middle class.

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Equity Culture in India and the Role of Mutual Funds

SIP Growth Story in India