Systematic Investment Plans (SIPs) have become one of the most popular investment options in India, allowing individuals to invest small amounts regularly in mutual funds. This study focuses on understanding the factors influencing investor perception and adoption of SIPs in Navi Mumbai. The research is based on primary data collected through a structured questionnaire from 107 respondents belonging to different demographic groups. The study examines investor awareness, investment behaviour, sources of information, and key factors influencing SIP adoption. The findings indicate that while a majority of respondents are aware of SIPs, a comparatively smaller proportion actively invests in them, highlighting a gap between awareness and actual adoption. Factors such as expected returns, perceived risk reduction, and tax benefits play an important role in influencing investment decisions. The study also identifies social media and personal networks as major sources of SIP awareness. Additionally, respondents show moderate perceptions regarding the convenience and benefits of SIP investments. The research concludes that increasing financial awareness and targeted communication can help improve SIP adoption among investors in Navi Mumbai.