The total assets managed by the mutual fund industry jumped nearly 40 per cent in a year to ₹68.05 trillion in November 2024, a 39.59 per cent jump over November 2023, according to the latest data from the Association for Mutual Funds in India (AMFI).

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Interestingly, the increase is primarily attributed to investment by retail investors, that too in equity schemes.

Meanwhile, contributions via systematic investment plans (SIPs) rose from ₹17,073 crore in November 2023 to ₹25,320 crore in November 2024, reflecting a jump of 48 per cent in the past one year.

Equity vs debt

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The data further reveals that the proportionate share of equity-oriented schemes was 59.7 per cent of the industry assets in November 2024, up from 54.9 per cent in November 2023. On the contrary, the proportionate share of debt-oriented schemes fell from 18.5 per cent to 14.8 per cent.

What is even more striking is that equity-oriented schemes derive 88 per cent of their assets from individual investors (retail + HNIs). At the same time, institutional investors dominate liquid and money market schemes (88 per cent), debt-oriented schemes (64 per cent) and ETFs FOFs (88 per cent).

“This year saw the launch of 205 New Fund Offers (NFOs), raising close to ₹1 lakh crore, which underscores the enthusiasm for equities. While this shift demonstrates rising investor confidence in the equity market, it also signals the need for greater awareness about disciplined, long-term investing, rather than relying solely on past performance,” says Rajani Tandale, Senior Vice President, Mutual Fund at 1 Finance.

Retail investors

Individual investors now hold a relatively higher share of industry assets — 60.8 per cent in November 2024 as compared to 59.2 per cent in November 2023.

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The value of assets held by individual investors in mutual funds increased from ₹28.86 lakh crore in November 2023 to ₹41.40 lakh crore in November 2024, an increase of 43.47 per cent.

The value of institutional assets increased from ₹19.89 lakh crore in November 2023 to ₹26.64 lakh crore in November 2024, a 33.97 per cent increase.

The data further suggests that a whopping 87 per cent of individual investor assets are held in equity-oriented schemes whereas 53 per cent of institutional assets are held in liquid/money market schemes and debt-oriented schemes.

Meanwhile, institutional investors account for 39.2 per cent of the assets, of which corporates are 94 per cent. The remaining are Indian and foreign institutions and banks.