Mint reported on 5 October 2026 that the Nifty 50 had fallen for eight consecutive weeks. That dated market streak is not, by itself, a reason to stop, increase or switch a mutual fund SIP. If your goals, income and ability to invest are unchanged, the sensible starting point is usually to continue the plan; if you need cash or can no longer afford the instalment, address that need first. Mint’s report attributed this guidance to Sanjiv Bajaj, Joint Chairman and MD of Bajaj Capital.
Should you stop your SIP when the market falls?
Not solely because the Nifty is down or the headlines feel unsettling. A systematic investment plan (SIP) puts a fixed amount into a mutual fund at regular intervals. When the fund’s unit price is lower, the same contribution buys more units; when it is higher, it buys fewer. This is rupee-cost averaging, not a guarantee of profit or protection from losses.
The Association of Mutual Funds in India describes SIPs as a way to invest periodically and support disciplined investing. The process can help investors avoid making every contribution depend on a market-timing decision, but it does not determine whether a particular fund suits a particular goal. AMFI’s SIP explainer sets out how the method works.
Mint quoted Bajaj as advising investors not to change an SIP just because markets are going through a difficult phase. That is conditional guidance, not a rule to keep paying at all costs. The right decision depends on whether your personal circumstances and investment purpose still support the contribution.
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Choose an action based on why you are considering a change
| Possible action | When it may fit | What to consider |
|---|---|---|
| Continue the existing SIP | Your income, goals and ability to invest remain intact; the concern is mainly market headlines. | Keep the contribution aligned with the goal and a time horizon that suits the investment. |
| Pause or reduce contributions | A job loss, unexpected expense or other cash need has changed what you can afford. | Give priority to liquidity and essential obligations rather than treating continued investing as mandatory. |
| Increase the SIP gradually | Your income or investable capacity has genuinely improved. | First consider emergency savings, insurance, monthly obligations and whether the goal’s horizon is long enough. |
| Review or switch a fund | There is evidence of a fund-specific issue, not merely a falling market. | Assess sustained performance against a relevant benchmark and comparable funds, as well as changes to the manager, strategy or portfolio. |
The point is not to predict the next market move. It is to match the contribution to a plan you can maintain without sacrificing necessary cash or changing course only out of discomfort.
When should you increase an SIP?
A falling index alone is not a sound reason to raise a monthly commitment. A larger SIP is still a larger recurring obligation, and a market decline does not establish that prices have reached a bottom or that a recovery is imminent.
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Consider a gradual step-up only when your capacity has improved and the increase fits your wider finances. Check that you can meet monthly expenses and obligations, have appropriate emergency savings and insurance, and are investing toward a goal with a suitable time horizon. The amount should remain comfortable in less favourable market conditions, not just appear attractive during a correction.
How to tell a market correction from a fund problem
A broad market fall and sustained underperformance by one fund are different issues. Before switching, compare the fund with its relevant benchmark and genuinely comparable funds over a meaningful period. Also check whether there has been a material change in its manager, stated strategy or portfolio. A short spell of weakness during a market-wide decline does not, on its own, establish that the fund has a problem.
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Use a total-return benchmark when dividends matter
The widely reported NIFTY 50 is a price index. The NIFTY 50 Total Returns index includes dividends; the National Stock Exchange of India says a total-return index is the appropriate benchmark for mutual funds that earn dividends. So, when evaluating a fund’s relative performance, compare it with the relevant total-return benchmark over equivalent periods—not simply with a price-only index. The NSE indices FAQ explains the distinction.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What the eight-week streak does—and does not—tell you
The eight-week figure is the market condition Mint reported on 5 October 2026, not a live statistic. Mint’s earlier report of 30 September 2026 said the Nifty had fallen 5.82% over the seven-week stretch discussed in that article. It also reported, citing Samco Securities data, that three of four earlier seven-week declines were followed by a gain over the next six weeks. The report cautioned that the current episode differed in magnitude and that the historical comparison did not establish a durable reversal.
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That small historical comparison is context, not a forecast or a basis for increasing a contribution. Past short-term rebounds do not show what will happen after this streak. AMFI’s monthly data page listed ₹32,297 crore in SIP contributions for August 2026; that industry-wide figure describes contributions, not the likely result for any individual investor. AMFI’s monthly data provides the published figures.
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A practical check before changing your plan
- Identify the trigger. Is the proposed change driven by market headlines, a change in your finances, a revised goal, or evidence about the fund itself?
- Check affordability. If income or cash needs have changed, decide what contribution you can sustain after essential expenses and obligations.
- Revisit the goal and horizon. Confirm that the investment still serves the intended goal and that its time horizon has not changed.
- If reviewing a fund, compare like with like. Use a relevant total-return benchmark and comparable funds over equivalent, meaningful periods; check for manager, strategy or portfolio changes.
- Make only the change your circumstances support. Continue if the plan remains affordable and suitable; reduce or pause if liquidity is needed; step up only with additional capacity; switch only for a fund-specific reason.
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