SIP inflows hit Rs 29,529 crore in October; stoppage ratio at 75%

Systematic investment plan (SIP)  flows maintained a strong trajectory during the month of October, reaching a fresh high of Rs 29,529 crore, marginally above the previous month’s Rs 29,361 crore, latest data from AMFI shows.

In terms of accounts, contributing SIPs rose to 9.45 crore, up from 9.25 crore in the prior month. Meanwhile, the total number of SIP accounts in the system stands at 9.88 crore, up from 9.73 crore, following net additions of approximately 60 lakh accounts and closures of about 45 lakh.

On the numbers, Suranjana Borthakur, Head of Distribution & Strategic Alliances, Mirae Asset Investment Managers (India) noted that what remains most encouraging is the continued strength of SIP inflows. "This underlines the maturity and resilience of retail investors, who are staying disciplined with their long-term wealth creation goals despite short-term market fluctuations. We believe investors should continue their SIPs, as staying invested through market cycles remains the best way to build wealth over time," she said.

The SIP stoppage rate for the month is around 75%, lower than 76.3 percent in September.  The SIP stoppage ratio, which measures the percentage of investors pausing or stopping their systematic investment plan contributions ( or whose plan tenures have matured), has seen significant fluctuations over the past two years. For much of 2024, the ratio stayed between 50–60%, indicating moderate SIP cancellations. However, in early 2025, the ratio spiked sharply, reaching 109% in January and peaking at 296% in April. A ratio above 100% means that more SIPs were stopped in that month than new SIPs started, signalling a period of unusually high investor caution, possibly due to market volatility or personal liquidity needs. After April, the ratio has gradually normalised, stabilising around 56–76% from June to September 2025.