Data from Nifty 50 TRI shows 7-year SIPs never had a negative return. Pausing for six months after two years adds nearly five months to reaching ₹1 crore.
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Investors who stop their equity SIPs early are giving up the chance to buy more units when prices are low. A ₹20,000 monthly SIP earning 10% annually would reach ₹1 crore in its 17th year. Pausing that investment for six months after two years extends the timeline by four months and 27 days.
Rupee-cost averaging lowers the average cost over time. A fixed amount buys more units when markets fall and fewer when they rise. Stopping an SIP during a downturn locks in losses and forfeits the units that could have been accumulated at lower prices.
Rolling returns for the Nifty 50 TRI between April 2005 and August 2026 show the share of loss-making SIPs falls sharply as the holding period increases. For five-year periods, the average return was 12.65%. For seven years, 12.47%. For ten years, 12.55%. Investors who stayed invested for seven years never got a negative return over any start date.
Ravi Kumar TV, co-founder of Gaining Ground Investment Services, said young investors often look at the last year's returns on an app and expect the same to continue. “They are not linking their investments to long-term goals, which is why the investments lack purpose and when short-term returns turn weak, they are quick to stop or switch.”
A 5% annual top-up on the same ₹20,000 SIP brings the ₹1 crore goal to the 15th year. A 10% top-up cuts it to 13 years.
Amol Joshi, founder of Plan Rupee Investment Services, advised younger investors to top up their SIP whenever they get an increment. “It does not have to be the full increment.” He suggested a simpler method: fix the SIP as a percentage of salary. “Then it rises on its own every time the salary does, and you are not making a fresh decision each year.”
A six-month pause after two years costs nearly five months of delay.
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