SIP Stoppage Ratio Nears Dangerous Levels Amid Record Investments

• Monthly SIP investments hit a record ₹31,002 crore in December, up from ₹29,445 crore in November.
• Overall SIP AUM reached ₹16.63 lakh crore, accounting for 20.7% of the total mutual fund industry assets.
• SIP accounts grew to 9.79 crore in December from 9.43 crore in November, showing sustained retail participation.
• The SIP stoppage ratio surged to approximately 85% in December, with 51.57 lakh SIPs stopped or matured.
• Equity mutual fund inflows declined by 6% to ₹28,054 crore in December, while debt funds saw a ₹1.32 lakh crore outflow.

Why It Matters: Despite record SIP investments and account growth, a rising stoppage ratio signals potential investor caution.