Published Jun 25, 2026 4 Min Read

Introduction

The SIP pause facility allows you to temporarily stop your SIP contributions without closing your mutual fund investment. Your existing units remain invested in the scheme, and you can restart contributions after the pause period ends.

  • Purpose: Helps you manage temporary cash flow issues without cancelling your SIP.
  • Investment remains active: Existing mutual fund units stay invested during the pause period.
  • Temporary arrangement: The pause is valid only for a limited duration, subject to scheme and platform rules.
  • KYC requirement: You must complete KYC, which is mandatory under SEBI regulations before investing.
  • Investment options: The Bajaj Broking website offers SIP and lumpsum investments across 4,000+ mutual fund schemes.
  • Minimum SIP amount: You can start SIP investments from Rs. 100 per month on eligible schemes.

You can explore mutual funds on the Bajaj Broking website, compare 4,000+ schemes, complete KYC online, and start or restart SIP investments from Rs. 100 per month.

What is the SIP pause facility?

The SIP pause facility allows you to temporarily stop future SIP instalments for a specific period without cancelling your mutual fund scheme. It is useful when you expect short-term financial commitments and want to avoid missing SIP payments.

When you pause an SIP, your existing mutual fund units remain invested in the scheme. The fund continues to be managed by the respective AMC, and the value of your investment will continue to move with market conditions.

FeatureDetails
PurposeTemporarily stop SIP instalments
Existing unitsRemain invested
Investment mode affectedSIP only
Permanent cancellationNo
Restart optionAvailable after pause period

Remember that SIP is an investment method, not a mutual fund category. You continue to hold units in the selected scheme even when future SIP instalments are paused.

How do you pause an SIP?

You can usually submit an SIP pause request online in a few minutes. The exact process may vary slightly depending on the mutual fund platform and AMC.

Steps to pause your SIP

  1. Log in to your investment account on the Bajaj Broking website.
  2. Open the Portfolio or Mutual Fund section.
  3. Select the SIP you want to pause from your active investments.
  4. Choose the SIP Pause or Manage SIP option.
  5. Enter the desired pause duration, if applicable.
  6. Review the request details and confirm your selection.
  7. Submit the SIP pause request and note the confirmation message or reference number.

Things to know before pausing your SIP

Before you pause an SIP, it is important to understand how the facility works. Different AMCs may have different eligibility rules and pause durations.

Key points to remember

  • SIP pause rules vary across mutual fund schemes.
  • Existing units remain invested in the market.
  • Future SIP instalments stop only for the approved period.
  • You may need to submit the request before the next SIP date.
  • Market-linked returns continue to apply during the pause period.
  • Some schemes may have minimum completed instalment requirements.

Mutual fund returns are not guaranteed. Past performance does not guarantee future results, and your investment value can rise or fall during the pause period.

When should you use the SIP pause facility?

The SIP pause facility can help when you face temporary financial pressure but still want to continue your long-term investment journey.

You may consider pausing your SIP in situations such as:

  • Short-term cash flow challenges.
  • Unexpected medical or household expenses.
  • Temporary loss of income.
  • Planned large expenses such as education fees or home repairs.
  • Career transitions or job changes.

An SIP pause facility is generally more suitable than cancelling an SIP if you intend to continue investing after the temporary financial situation improves.

Conclusion

The SIP pause facility gives you flexibility when you need a temporary break from regular investments. Instead of cancelling your SIP, you can pause future instalments while keeping your existing mutual fund units invested.

The Bajaj Broking website allows you to explore 4,000+ mutual fund schemes across equity, debt, hybrid, ELSS, thematic funds, and NFOs. You can invest through SIP or lumpsum, complete KYC online, and use tools such as Dashboard, Portfolio, Orders, MF Profile, and the SIP Calculator to track your investments.

Frequently asked questions

What is the SIP pause facility?

The SIP pause facility allows you to temporarily stop future SIP instalments without cancelling your mutual fund investment. Your existing units remain invested in the scheme, and you can restart contributions later. On the Bajaj Broking website, investors can manage SIPs across 4,000+ mutual fund schemes while continuing to hold their existing investments during the pause period.

How long can an SIP be paused?

The permitted pause duration depends on the AMC and the specific mutual fund scheme. Some schemes may allow a few months of pause, while others may have different limits. You should check the scheme rules before submitting an SIP pause request because eligibility and duration requirements can vary across fund houses.

How do I pause my SIP online?

You can usually pause an SIP online by logging into your investment account, selecting the active SIP, choosing the pause option, specifying the pause duration, and submitting the request. The Bajaj Broking website provides online access to your mutual fund portfolio, making it easier to manage SIP-related requests and track your investments.

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Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed.

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form.

(ii) carry customized/personalized suitability assessment.

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure
: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.