Individual investors form 55% of the total Rs. 37.92 lakh crore MF industry, shows AMFI’s Dec 21 report. Over the last year, individual assets have increased from Rs. 16.17 lakh crore to Rs. 20.86 lakh crore. Individual assets include contribution from retail and HNI investors.
Investors continue to seek comfort in distributors, who manage 79% (Rs. 16.48 lakh crore) of the total individual assets.
An analysis of the geographic spread shows that 26% (Rs. 5.42 lakh crore) of individual assets are from B30 locations. Of this 85% (Rs. 4.58 lakh crore) is managed by distributors.
The share of regular plans in T30 locations is Rs. 11.89 lakh crore or 57% of total individual assets.
|
Individual Investors |
|||||||
|
B30 Locations |
T30 Locations |
||||||
|
% |
Rs. in crore |
% |
Rs. in crore |
||||
|
26% |
5,42,374 |
74% |
15,43,678 |
||||
|
Direct |
Distributors |
Direct |
Distributors |
||||
|
% |
Rs. in crore |
% |
Rs. in crore |
% |
Rs. in crore |
% |
Rs. in crore |
|
4% |
83,442 |
22% |
4,58,931 |
17% |
3,54,629 |
57% |
11,89,050 |
Further analysis of AMFI data shows individual investors are largely inclined towards equity-oriented schemes, which form 77% of the total individual assets. Debt-oriented schemes, liquid/money market schemes and ETFs, FOFs form 17%, 4% and 2%, respectively.
|
Scheme Type |
Individual Investors - Rs. in crore |
YoY Increase/(Decrease) |
||
|
(Dec 20) |
(Dec 21) |
|||
|
Equity-oriented Schemes |
11,09,338 |
16,07,552 |
45% |
|
|
Debt-oriented Schemes |
3,92,659 |
3,58,171 |
-9% |
|
|
Liquid/Money Market |
90,539 |
75,703 |
-16% |
|
|
ETFs, FoFs |
24,042 |
44,626 |
86% |
|
|
Total |
16,16,578 |
20,86,052 |
29% |
|
Regular Plan Vs Direct Plan
Distributors manage 83% of equity-oriented schemes (equity and balanced funds), 71% of debt-oriented schemes and 61% of liquid/money market schemes. Contrary to this, 53% of investments in ETFs, FOFs are through direct plans.
|
Equity-oriented Schemes |
Debt-oriented Schemes |
||||||
|
B30 Locations |
T30 Locations |
B30 Locations |
T30 Locations |
||||
|
28% |
72% |
21% |
79% |
||||
|
Direct |
Distributors |
Direct |
Distributors |
Direct |
Distributors |
Direct |
Distributors |
|
4% |
24% |
13% |
59% |
3% |
18% |
26% |
53% |
|
Liquid/Money Market Schemes |
ETFs, FoFs |
||||||
|
B30 Locations |
T30 Locations |
B30 Locations |
T30 Locations |
||||
|
18% |
82% |
17% |
83% |
||||
|
Direct |
Distributors |
Direct |
Distributors |
Direct |
Distributors |
Direct |
Distributors |
|
5% |
13% |
34% |
48% |
10% |
7% |
43% |
40% |
