Pausing or stopping a mutual fund SIP (Systematic Investment Plan) is often seen as a financial misstep. Many advisors insist on continuing SIPs no matter what—arguing that consistency, rupee cost averaging, and long-term compounding will eventually reward investors. They often say that even when markets fall, that’s the perfect time to buy more units.

However, personal finance is not one-size-fits-all. There are moments when discontinuing your SIP can actually be the most rational decision. Whether you’ve met your goals, need to correct an error, or are facing financial strain, stopping your SIP doesn’t always mean failure—it can sometimes be smart financial planning.

Here’s a quick look at recent data showing that many investors have taken this route lately. According to AMFI, the tota

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