Watch & Learn
Should you stop your SIP when the market falls?
A falling market is when a fixed SIP amount buys the most units. Stopping the SIP at that point removes exactly the instalments that were being made at lower prices — which is the opposite of what the mechanism was designed to do for you.
Inderpreet Kaur, Brand Communication Team·15 July 2025·1 minute 21 seconds
What this covers
Rupee cost averaging is the plain version of this: the same amount every month buys more units when prices are lower and fewer when they are higher, so the entry price is spread across market conditions rather than fixed by one decision.
The costly pattern is stop-and-restart. Investors stop out of fear during the decline and restart only once markets feel safe again — which means skipping the cheap instalments and resuming at the expensive ones.
The reference point that resolves it is the goal, not the market. A SIP was set up for a child's education, a home or retirement; none of those dates moved because a quarter was bad.
Consistency is the whole mechanism — an SIP is a habit, not a hack. Review it against your goal, not against the market.
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