Behavioural Triggers Behind SIP Stoppages in India: An Empirical Study of Retail Investor Inertia in 2026
DOI:
https://doi.org/10.66635/sr0gdg02Keywords:
stoppages, SIPs, money, survey, investmentAbstract
The paper analyses the reasons behind the halting of SIPs by retail investors in the Indian market even as investors are pouring record money into the market in 2026. The survey was conducted on 200 investors in Tier 1 and Tier 2 cities. It has identified two primary drivers — household financial difficulties and geopolitical uncertainty and a lack of investor action. Statistical analysis showed that the level of income and perception of the global threats had a significant influence on stoppages. This paper continues the growing body of work of behavioural finance by experimenting on the relationship between stoppages and psychological biases and provides some practical suggestions for regulators and fund management companies to ensure long-term investment discipline.
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