SIF AUM Up 30%: Should You Invest ₹10L Here?

Specialised Investment Funds — a new SEBI-regulated category between mutual funds and PMS — have crossed ₹23,177 crore in assets. They need a ₹10 lakh minimum investment. Here's what that means for you.

Here's what happened: Specialised Investment Funds — a SEBI-regulated category launched in 2024 — crossed ₹23,177 crore in AUM in July 2026, up roughly 30% in a short period.. SIFs require a minimum investment of ₹10 lakh per strategy and can use more flexible mandates than standard mutual funds, including derivatives and concentrated bets.. The number of folios (investor accounts) in SIFs is approaching 1 lakh, suggesting growing but still niche adoption among HNI and upper-retail investors..

What you should do: Check your investable surplus first — only consider SIFs if you already have a solid emergency fund, term insurance, and at least ₹15–20 lakh in diversified mutual funds.. Compare the full fee structure (management fees, performance fees, exit loads) of any SIF your advisor recommends before committing your ₹10 lakh minimum.. Verify that any SIF you invest in is listed on the SEBI-registered intermediary database — do not invest based solely on a distributor's verbal pitch or brochure..

SIF returns are NOT directly comparable to mutual fund returns — their benchmarks and strategy types differ. Always ask for a risk-adjusted return figure, not just absolute returns.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.