India’s SIP boom has a hidden crisis: Are high dropout rates impacting wealth creation?

“Drink stocks SIP by SIP,” is a story that has been sold very well in the last few years and it continues to capture the imagination of people.
In October 2025, INR29,529 crore – the highest ever – was invested in mutual funds (MFs) through the systematic investment plan (SIP) route. SIPs are a way of regular investing into an MF. Most of the money coming in through the SIP route is invested in equity MFs which invest largely in stocks.
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