The Indian stock market’s recent sharp correction has rattled investors. With the Sensex plunging over 1,000 points and the Nifty dropping more than 350 points in a single session, nearly ₹10 lakh crore in market value was wiped out. Naturally, SIP investors are worried and questioning whether they should pause or stop their investments.

Is This the Right Time to Stop SIPs?

Market experts strongly believe that stopping SIPs during a correction is usually a mistake. According to Gurmeet Singh Chawla of Master Capital Services Ltd, market downturns actually enhance the core benefit of SIPs—rupee cost averaging. Lower markets allow investors to accumulate more units at cheaper prices, improving long-term returns.

Don’t Wait for the Perfect Entry

Vivek Law, Editor-in-Chief of Simple Hai, explains that corrections after lifetime highs are a natural part of equity cycles. Short-term volatility may feel uncomfortable, but long-term investors should avoid trying to time the market. Gradual and disciplined investing during corrections often yields better outcomes.

Should Existing SIPs Be Discontinued?

Arjun Guha Thakurta of Anand Rathi Wealth emphasizes that the current dip is not a major correction. Since markets are only 3–4% below their highs, discontinuing SIPs makes little sense. Instead, investors can consider step-up SIPs if their financial situation permits.

Lump Sum Investors: What’s the Best Approach?

For those holding large sums, experts recommend staggered investments over several weeks or months rather than deploying all funds at once. This helps average out entry levels and reduces timing risk.

Why SIPs Matter in the Long Run

Historically, Indian markets have witnessed periodic corrections even during strong bull runs. Yet, long-term equity returns remain attractive. SIPs help investors stay disciplined, avoid emotional decisions, and build wealth steadily over time.

Bottom Line: Market volatility is temporary, but disciplined investing creates lasting wealth. For most investors, continuing SIPs—and even modestly increasing them during corrections—can be a smart long-term strategy.

Disclaimer: This article is for informational purposes only. Investment decisions should be taken after consulting a certified financial advisor.