Mutual Fund SIP Stoppage Ratio Surges to 76% in November as Monthly Inflows Dip Marginally

India’s mutual fund industry experienced a minor dip in monthly SIP contributions in November 2025 while the SIP stoppage ratio touched 76%, reflecting a marginal increase from the previous month.  

Despite the uptick in stoppages, participation levels and the growth in SIP assets underline steady retail discipline in the market. 

November Sees Rise in SIP Stoppage Ratio Amid Marginal Drop in Contributions 

The mutual fund industry's monthly SIP inflow stood at ₹29,445 crore in November 2025, a 0.28% decline from ₹29,529 crore in October 2025.  

Meanwhile, the SIP stoppage ratio—defined as the number of discontinued SIPs relative to newly registered ones—moved up to 75.57% from 74.85% in the previous month. This figure includes SIPs whose stated tenure was completed, or which were voluntarily stopped by investors. 

In terms of absolute numbers, November saw 43.18 lakh SIPs discontinued or completed, while 57.14 lakh new SIPs were registered. Comparatively, October recorded 45.10 lakh exits and 60.25 lakh new entries.  

The number of outstanding SIP accounts rose from 987.88 lakh in October to 1,001.84 lakh in November. The contributing SIP accounts for November stood at 942.52 lakh, slightly down from 945 lakh in October. 

Overall Mutual Fund Assets and Folios Continue to Expand 

SIP assets under management (AUM) in November reached ₹16,52,665 crore, accounting for 20.5% of the total mutual fund industry AUM, which crossed ₹80 lakh crore.  

This continues to indicate strong investor interest in disciplined, long-term investing. During the same period, mutual fund folios increased by 26.11 lakh, rising from 25,60,03,815 in October to 25,86,14,320. 

Retail mutual fund folios under equity, hybrid and solution-oriented schemes also demonstrated growth, climbing to 20,15,85,661 in November from 19,98,07,323 in October. Correspondingly, the retail AUM reached ₹46,48,599 crore in November 2025. 

Read More: These Small-Cap Mutual Funds Discovered the Most Multibaggers in the Last 3 Years! 

Equity Schemes and Hybrid Funds Maintain Contribution Momentum 

Equity-oriented mutual fund schemes absorbed net inflows of ₹29,911 crore in November, with strong participation in mid-cap, small-cap and flexi-cap categories. Meanwhile, hybrid and passive funds continued to show healthy flow patterns.  

Multi-asset and arbitrage funds collectively represented over 70% of hybrid category flows, reflecting a diversified investment approach from retail investors. 

Conclusion 

In November 2025, despite a marginal dip in SIP contributions and a slight rise in the stoppage ratio to 76%, the mutual fund sector sustained its monthly inflow levels. Growth in SIP accounts, AUM and folios reflected continued investor dedication to systematic and disciplined investing practices. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.