India’s Mutual Fund Flows – Jan 2026: Total Mutual Fund assets rise by 1% to Rs 81.01 (80.23) lakh crs

Indian mutual fund industry ended January 2026 with assets of Rs 81.01 lakh crs compared to  Rs 80.23 lakh crs in December 2025. The Industry witnessed net inflows of Rs 1.56 (-0.66)  lakh crs, with debt schemes showing inflows of Rs 0.74 (-1.32) lakh crs and equity and hybrid  schemes showing net positive inflows of Rs 24,028 (28,054) crs and Rs 17,356 (10,756) crs  respectively. Equity schemes saw a decrease in assets to Rs 34.87 (35.72) lakh crs. This was  mainly due to negative performance of the equity markets. Nifty 500 moved down by 3.27%  (+0.26%) and Nifty 50 also decreased by 3.04% (-0.28%) with mid caps down by 3.5%  (-0.53%) and small caps down by 5.5% (-0.28%). One year returns for all indices are slightly  positive except for small caps. Three and five year numbers continue to show healthy returns.

– Net flows in equity schemes decreased to Rs 24,028 crs from Rs 28,054 crs last month.  Though there have been no negative inflows for almost five years. Flows in NFOs were  subdued at Rs 806 (3,568) crs.

– Net inflows in various categories were as under and have mostly declined compared to last  month. ELSS funds saw net outflows:

– Sectoral/Thematic Funds: Rs 1,042 (946) crs

– Flexi-Cap Funds: Rs 7,672 (10,019) crs

– Small-Cap Funds: Rs 2,942 (3,824) crs

– Mid-Cap Funds: Rs 3,185 (4,176) crs

The net inflows have dipped below the SIP inflows of Rs 30,000 crs showing that investors are  booking profits and moving out of equity funds.

📌 #EquityFunds #MutualFunds #WealthCreation #LongTermInvestment #EquityMarket #ELSSschemes #Equityschemes

– Total debt fund AUM was Rs 18.09 (18.10) lakh crore, almost similar to last month. The  average assets in the month were higher suggesting a sell-off in the last few days of the month.

This category saw a net inflow of Rs 0.74 lakh crs compared to an outflow of 1.32 lakh crs last  month. Liquid, Money market and overnight saw inflows while corporate bond funds saw  outflows.

#DebtFunds #InterestRates #BondMarket #FixedIncome #FinancialPlanning

– Hybrid funds’ assets were almost the same at Rs 11.0 lakh crs. Net inflows into hybrid funds  stood at Rs 17,356 (10,756) crs, led by Multi Asset Allocation funds, which saw inflows of Rs  10,485 (7,426) crs. Inflows in these funds have doubled in two months. Arbitrage funds  inflows also were at Rs 3,293 crs (126). Again investors are chasing returns with MAAF and  Gold ETFs seeing huge inflows.

📌 #HybridFunds #Diversification #RiskManagement #BalancedInvestment

Inflows into Gold ETFs have soared to 24,040 crs compared to 11,646 crs in December 2025.  Inflows in index funds were Rs 27.3 crs and those in other ETFs were Rs 15,005 crs (13,199).

FoFs collected almost Rs 11,250 (10,250) crs of net inflows. ng at sectoral or thematic funds  would be wise to choose from amongst these funds.

Gold ETFs and Multi Asset Funds have seen an even higher increase in inflows in one month  due to the good performance of gold over the last 12 months. Investors are falling prey to the  FOMO phenomenon. Chasing returns is not the way to earn above average returns or beat the  benchmark. Asset allocation and re-balancing is the way to go. Say you have invested  60:25:15 in equities, debt and gold. Now gold has run up by 100% whereas debt is up 7% and  equities are flat. The portfolio will show a return of 16%. The portfolio value will be Rs 116  with an asset allocation of 51:23:26. If we re-balance the portfolio, we will sell gold and  invest the same in equity and debt and bring the asset allocation back to the original ratio. This  ensures that you sell the asset class which has increased in value and buy the other asset class  which is lower in your portfolio. Asset allocation ensure that you are present in all asset classes and reap the benefits of any sudden and great upturn in values and re-balancing  periodically ensures that you sell high and buy low. This simple discipline may go a long way  in getting above average returns.

EquiZen, a registered mutual fund and PMS distributor, offering personalised financial  solutions with a focus on safety and transparency. We aim to assist you to achieve financial  freedom, the freedom to do what you want and achieve your dreams. We do not push financial  products but believe in utilising them judiciously to meet your needs. Learn more at  www.equizen.in or contact us via +91 9820605203 or sanjay@equizen.in.