Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{174912,
        author = {Nirmala Jadeja and Prerana Choudhary and Gaurav Punase and Dr. Sandeep Raghuwanshi},
        title = {A SIP Investment Patterns: A Bibliometric Analysis of Investor Behavior and Wealth Creation},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {11},
        pages = {1177-1187},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=174912},
        abstract = {particularly in developing economies, offering a structured and disciplined approach to wealth creation. As financial markets evolve and the need for accessible investment options increases, SIPs have gained popularity among retail investors seeking to build wealth over time. This research paper undertakes a comprehensive bibliometric analysis of the existing literature on SIP investment patterns, with a particular focus on investor behaviour and its impact on wealth accumulation.
Utilizing a robust dataset comprising scholarly articles, book chapters, and conference proceedings indexed in reputable databases such as Scopus and Web of Science, we systematically examine trends in research output over time. This analysis allows us to identify key themes and concepts that have emerged in the literature, as well as to analyse the influential authors and institutions that have contributed significantly to the field. By mapping the intellectual structure of SIP research, we aim to provide a comprehensive overview of the current research landscape, highlighting the state of knowledge, identifying potential research gaps, and offering insights for future research directions in the domain of SIP investments.
Our findings reveal a growing interest in SIP investments, driven by several factors, including increasing financial literacy among the general population, favourable market conditions that encourage investment participation, and the perceived benefits of rupee cost averaging—a strategy that allows investors to mitigate the impact of market volatility by investing a fixed amount regularly. Furthermore, the analysis highlights various behavioural biases that influence SIP investment decisions, such as overconfidence, loss aversion, and the tendency to follow market trends, which can significantly affect investor outcomes.
Additionally, the effectiveness of SIPs in achieving long-term financial goals is examined, with empirical evidence suggesting that SIPs can lead to substantial wealth accumulation over time, particularly when compared to traditional lump-sum investment strategies. The study underscores the importance of understanding the dynamics of SIP investments, as they play a crucial role in fostering financial inclusion and promoting a culture of saving and investing among individuals.
Ultimately, this research contributes to a better understanding of the complexities surrounding SIP investments and their implications for both individual investors and the broader financial ecosystem. By shedding light on the behavioural, psychological, and economic factors that drive SIP investment decisions, this study aims to inform policymakers, financial educators, and practitioners about the potential of SIPs as a tool for wealth creation and financial empowerment.},
        keywords = {Systematic Investment Plan (SIP), Bibliometric Analysis, Investor Behaviour, Wealth Creation, Financial Literacy, Mutual Funds, Rupee Cost Averaging, Investment Management.},
        month = {April},
        }