Indian investors put ₹32,490 crore into mutual funds through systematic investment plans in September 2026, up from a year earlier, while industry guidance warns that regular contributions remain exposed to market losses.
The Association of Mutual Funds in India (AMFI) reported ₹29,361 crore in contributions for September 2025. The two monthly totals measure how much investors paid into their plans, rather than what those investments earned. They show an increase in contributions but do not establish why investors contributed more.
Separately, the Nifty 50 closed at 23,810.85 on Nov. 3, 2026, according to the National Stock Exchange of India (NSE). A government market monitor recorded a close of 25,763.35 on Nov. 3, 2025. The index was 7.6% lower between those two dates.
A systematic investment plan, or SIP, uses a fixed payment to purchase mutual fund units on a schedule. The number of units bought changes with their price. AMFI says this approach offers no guarantee of a profit and does not protect investors against losses when markets fall.
Harshad Patwardhan, chief investment officer at Union Asset Management Company, raised a separate portfolio risk in a column for The Economic Times. He said an investor holding several funds may still own repeated stakes in the same stocks or have substantial exposure to similar sectors and themes. Patwardhan urged investors to examine their holdings together.
The Securities and Exchange Board of India (SEBI) says an investor’s mix of assets should reflect financial goals, risk tolerance and time horizon. Its guidance calls for regular portfolio reviews and rebalancing when needed. SEBI also warns that sectoral and thematic funds carry greater concentration risk because they invest within narrower parts of the market.
The NSE has scheduled a special Diwali, or Muhurat, trading session for Sunday, Nov. 8. It says it will announce the session hours separately.
