Mutual fund SIP stoppage ratio falls to 82% in July as new registrations outpace closures for the third straight month

The mutual fund SIP stoppage ratio eased for the third consecutive month in July to 81.87%, from 91.23% in June. However, it remained higher than the 62.66% recorded in July 2025.

The latest reading indicates that more mutual fund SIPs were registered compared to the SIPs either stopped or whose existing tenures ended.

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The number of SIPs discontinued/ tenure completed in July were recorded at 50.30 lakh whereas the number of new SIPs registered in the same period stood at 61.44 lakh. On the other hand, the number of SIPs discontinued/tenure completed in June was recorded at 50.64 lakh and the number of new SIPs registered was 55.51 lakh.

What is the SIP stoppage ratio?

The SIP stoppage ratio is the number of discontinued SIPs compared to the number of new registered SIPs. If this ratio crosses 100% then it indicates that more mutual fund SIPs are being stopped than the ones started.

However, one must keep in mind that the stoppage ratio also includes those SIPs that have expired. Besides, investors may have simply switched from one SIP to another as part of their portfolio reshuffle.

Mutual fund SIP inflows rose marginally to Rs 31,961 crore in July against an inflow of Rs 31,781 crore in June. On a year-on-year basis, SIP inflows increased 12% from Rs 28,464 crore in July 2025.

“The industry’s growth momentum was further bolstered by strong inflows through SIPs, which totalled Rs 31,961 crore in July. The number of contributing SIP accounts stood at 9.90 crore, reflecting the growing confidence in MFs as a disciplined investment avenue,” said Venkat Chalasani, Chief Executive, AMFI.

While broader economic conditions provide context, our objective remains focused on raising investor awareness and helping individuals navigate disciplined, long-term financial planning, Chalasani further said.

The SIP assets stood at Rs 18,19,541.56 crore in July 2026, rose by 2.8%, constituting nearly 21.2% of the industry's AUM. The number of contributing SIP accounts stood at 10,62,74,060 in July 2026

The retail MF AUM (Equity + Hybrid + Solution Oriented Schemes) stood at Rs 50,68,667 crore for July 2026 as against Rs 49,41,096 crore in June 2026. The retail folios (Equity + Hybrid + Solution Oriented Schemes) are at 21,39,96,603 for July 2026 and 21,22,59,046 for June 2026.

Mutual fund folios stood at 28.09 crore as of July 2026, with 22.66 lakh net folios added during the month, up 0.8% from 27.86 crore in June.

“Monthly SIP momentum continues to gain strength and grew to Rs 31,961 crore in July 2026, underscoring steady and resilient retail investment momentum and investors' preference for a disciplined way of investing amidst volatile markets. Systematic Investment Plan (SIP) AUM grew at Rs 18.20 lakh crore for the month, accounting to 36.4% of the Equity AUM,” said Gaurav Goyal, Chief Business Officer, Canara Robeco Asset Management Company.

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The combination of strong SIP participation and continued flows into mid and small caps is encouraging, as it reflects a long term investment mindset rather than a reaction to short term market movements, said Feroze Azeez, Joint CEO, Anand Rathi Wealth Limited.

(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)

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