Soon, individuals will be able to start saving through SIPs (Systematic Investment Plans) with just Rs 250 per month.
The stock market regulatory agency, SEBI, is set to issue detailed guidelines on this initiative shortly.
SEBI Chairman Madhabi Puri Buch shared this information during a program, stating that the goal is to encourage more domestic investors to participate in the stock market.
This move is also expected to promote financial inclusion, benefiting a larger segment of society and enabling them to gain from market growth.
SIP Investment Growth Over the Years
According to SEBI’s latest data, investors contributed a total of Rs 26,459 crore through SIPs in December 2025, compared to Rs 24,320 crore in November 2024.
Back in August 2016, the monthly SIP investments were only Rs 3,122 crore.
Madhabi Puri Buch highlighted the impact of lowering the SIP limit, saying, “The Rs 250 SIP limit will become a reality and significantly benefit the mutual fund industry.
It will also bring more people into financial inclusion programs, giving a major boost to the Indian mutual fund sector over the next three years.”
Role of Technology and AI in Driving Investments
Technological advancements, particularly in AI, are helping reduce transaction costs, making it feasible to introduce financial products requiring smaller investments.
AI has also made it possible to process a larger volume of investment applications in a very short time.
This decision is expected to encourage mutual fund adoption among low-income and low-saving groups, further expanding financial opportunities for all sections of society.
