Indian investors kept their SIPs running through a volatile year. Business Standard (10 Sep 2026), citing Sebi’s FY26 annual report, reports that net SIP inflows rose to ₹1.97 lakh crore in FY26, out of ₹3.50 lakh crore of gross SIP investments.
That puts net inflows at 56.3% of gross, up from 54.1% in FY25 and the highest share in at least four years. Redemptions grew 15% to about ₹1.5 lakh crore, their slowest growth in three years, even as markets corrected.
The message is clear: disciplined, monthly investing is becoming a household habit.
The Double Advantage Strategy
At AK Investments, we pair this habit with fixed income through our Double Advantage Strategy:
1. Invest a lump sum in a secured corporate bond that pays interest every month.
2. Route that monthly interest into a SIP in an equity mutual fund of your choice.
Your bond provides regular income and the return of principal at maturity. Your SIP builds long-term equity exposure, funded by the interest rather than fresh savings.
An Illustration
Bond investment | ₹5,00,000 |
Coupon (illustrative) | 12% p.a., paid monthly |
Monthly interest (pre-tax) | ₹5,000 |
Monthly SIP | ₹5,000 |
SIP invested over 3 years | ₹1,80,000 |
At the bond’s maturity, you receive the principal back (subject to the issuer’s repayment) and hold a SIP portfolio built entirely from interest. Bond interest is taxable at your slab rate and TDS may apply, so the amount you actually invest may be lower.
Start Your SIP with AK Investments
Explore live secured bond options and the Bond Calculator at caakinvestments.com, or call +91 77150 93772 to set up your Double Advantage plan.
The example above is for illustration only and is not a recommendation or an indication of future returns. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Fixed returns on bonds are not guaranteed or assured; investments in corporate debt securities carry credit, market and default risks, including delay and/or default in payment. Read all offer related documents carefully.