Open Access Open Access  Restricted Access Subscription Access

Systematic Investment Plans (Sips) As a Tool for Retail Wealth Creation: An Empirical Analysis

Lalith Kumar R, Dr. Abhijit Chakraborty, Manasi B Swar, Shreya Malali

Abstract


Systematic Investment Plans (SIPs) have emerged as one of the most widely adopted investment mechanisms among Indian retail investors. This study analyses the growth, performance and behavioral relevance of SIPs during the period 2022–2025 using secondary data sourced from AMFI, NSE, RBI and other credible financial institutions. The analysis focuses on SIP inflow trends, average monthly contributions, benchmark market performance and comparative returns with traditional instruments such as FD, PPF and gold.

The findings reveal a strong and consistent rise in SIP inflows and investor participation, even during volatile market conditions. Average monthly SIP investments nearly doubled across the three-year period, reflecting disciplined investor behaviour and growing financial awareness. The analysis shows that equity SIPs outperform most traditional investment avenues in terms of long-term wealth creation due to the combined effect of compounding, rupee-cost averaging and systematic investing habits. Overall, the study concludes that SIPs have emerged as a robust, resilient and effective investment tool for long-term wealth accumulation in India.


Full Text:

PDF

References


Chakraborty, A., & Das, A. K. (2022). Do macro-economic factors drive life insurance growth? An empirical analysis. International Journal of Monetary Economics and Finance, 15(1), 1-18.

Chakraborty, A., & Das, A. K. (2022). Impact analysis of macro-economic factors on non-life insurance sector in India. International Journal of Financial Engineering, 9(03), 2250011.

Chakraborty, A., & Das, A. K. (2019). Ethics in Insurance Selling in India-A Conceptual Approach. International Journal of Business Ethics in Developing Economies, 8(2), 44-5.

Chakraborty, A., & Kr Das, A. (2019). Role of insurance in the development of India’s micro, small and medium enterprise (MSMEs). Journal of

International Business, Economics and Entrepreneurship (JIBE), 4(2), 60-66.

Chakraborty, A., & Das, A. K. (2023). Do macro-economic factors influence the life insurance industry in India? An empirical approach. International Journal of Business Innovation and Research, 30(1), 1-17.

Chakraborty, A., Goyal, N., Das, A.R., Roy, P. (2025). Sustainable Tourism and Its Role in Economic Development. In: Marques, J., Ramazanova, M., Albuquerque, H. (eds) Tourism and Climate Change. Tourism, Hospitality & Event Management. Springer, Cham. https://doi.org/10.1007/978-3-031-99128-8_3

Das, A.R., Chakraborty, A., Goyal, N., Roy, P. (2025). Financial Technology in Transition: Trends, Development, and Ways Forward


Refbacks

  • There are currently no refbacks.