Mutual Fund SIP Stoppage Ratio Declines in July to 63%, Despite Weak Markets

The Mutual Fund SIP stoppage ratio in July 2025 was 62.66%, down from 77.77% in June and higher than 51.40% in July 2024. The ratio measures the number of SIP accounts stopped or matured against new registrations. A lower figure means more new SIPs are being added than discontinued.

Monthly Contributions and Account Numbers

SIP inflows for July 2025 reached ₹28,464 crore. Contributing SIP accounts rose 5.4% from June to 9.11 crore, while total outstanding SIP accounts were 944.97 lakh. Of these, 911.18 lakh were contributing accounts, the highest recorded so far.

How the Ratio Works

The SIP stoppage ratio includes matured SIPs as well as those voluntarily stopped by investors. It also covers cases where investors close one SIP and start another as part of rebalancing their investments. A figure above 100% would mean more SIPs stopped than started.

Retail Investor Data

Retail mutual fund folios in equity, hybrid, and solution-oriented schemes stood at 19,41,95,038 in July 2025, up from 19,07,05,687 in June 2025. Retail assets under management (AUM) for these schemes were ₹43,90,919 crore in July 2025, compared with ₹43,99,405 crore in May 2025.

SIP AUM for July was ₹15.19 lakh crore, slightly lower than ₹15.30 lakh crore in June. Across all mutual fund categories, total folios reached 24,57,24,339 in July, up from 24,13,44,556 in June. The industry’s average AUM for July was ₹77,00,420.46 crore.

In June 2025, 61.91 lakh new SIP accounts were registered. At that time, total outstanding SIP accounts were 919.32 lakh. These numbers show steady account additions despite market volatility.

Read More: Equity Mutual Fund Inflows Surge 81.04% in July 2025; NFOs Garner ₹30,416 Crore: AMFI Data!

Conclusion

July data shows a slower SIP stoppage ratio, record-high monthly contributions, and growth in total and contributing accounts. Mutual fund folios and SIP participation continued to expand during the month.

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