Published May 26, 2026 4 Min Read

Introduction

An SIP pause lets you temporarily stop SIP instalments for a fixed period without closing your mutual fund investment. An SIP stop permanently cancels future SIP payments, though your existing mutual fund units remain invested unless you redeem them.

  • SIP pause is temporary, while SIP stop is permanent until you start a new SIP again.
  • Most AMCs allow SIP pauses for 1 to 6 months, depending on scheme rules.
  • SIP cancellation stops future auto-debits from your registered bank account.
  • Your existing mutual fund units stay invested in both cases unless you redeem them separately.
  • SIP investments can start from Rs. 100 per month on the Bajaj Broking website.
  • Investors can choose from 4,000+ mutual fund schemes across equity, debt, hybrid, ELSS, and thematic categories.

You can begin or manage SIP investments on the Bajaj Broking website after completing SEBI-mandated KYC and track your portfolio through the Dashboard, Orders, and MF Profile tools.

What is SIP pause in mutual funds?

An SIP pause facility allows you to temporarily stop SIP instalments for a limited time without cancelling your mutual fund scheme investment. Your existing units remain invested and continue to move with the market.

This option can help if you face short-term cash flow problems or temporary financial commitments. Once the pause period ends, SIP deductions usually restart automatically as per AMC rules.

Key points about SIP pause

  • SIP pause is temporary, not permanent.
  • Existing mutual fund units stay invested.
  • Future SIP instalments restart after the selected period.
  • Most AMCs allow pauses between 1 and 6 months.
  • You may need to request the pause before the next SIP date.

Your mutual fund investment continues to carry market risk during the pause period. SEBI requires every mutual fund scheme to display a colour-coded riskometer such as Low, Moderate, High, or Very High risk.

What is SIP cancellation in mutual funds?


SIP cancellation means permanently stopping future SIP instalments in a mutual fund scheme. This is also called SIP stop or SIP discontinuation.

When you stop SIP payments, your existing units remain invested unless you submit a separate redemption request. The fund continues to be managed by the respective AMC, not by the Bajaj Broking website.

Feature SIP cancellation
Future SIP instalments Permanently stopped
Existing units Continue in the scheme
Bank auto-debit Cancelled
Need new registration later Yes
Investment mode SIP only stops, not the fund holding

Stopping an SIP does not guarantee protection from losses during market volatility. Mutual fund returns remain market-linked and are not guaranteed.

SIP pause vs SIP Stop: Key differences


Understanding sip pause vs sip stop helps you decide whether you need temporary relief or a permanent change in your investment plan.

FeatureSIP pauseSIP stop
DurationTemporaryPermanent
SIP restartAutomatic after pause periodRequires fresh SIP registration
Existing mutual fund unitsStay investedStay invested
Bank auto-debitTemporarily skippedFully cancelled
Suitable forShort-term cash shortageLong-term investment change
AMC approvalRequiredRequired

An SIP is only an investment method. Your money stays invested in the chosen mutual fund scheme even if future SIP instalments stop.

If you hold ELSS funds, remember that each SIP instalment carries its own 3-year lock-in period under Section 80C rules. Stopping an SIP does not remove this lock-in.

When should you pause vs stop an SIP?


You may choose an SIP pause when your financial problem is temporary. You may stop an SIP when your investment goals or fund choice change permanently.

You may consider SIP pause if:

  • You expect salary delays or temporary income reduction.
  • You have short-term expenses like medical bills or school fees.
  • You still want to continue the same fund later.
  • You want to avoid redeeming existing mutual fund units.

You may consider SIP stop if:

  • Your financial goals have changed permanently.
  • You want to switch to another mutual fund category.
  • The fund no longer matches your risk level.
  • You want to stop auto-debits completely.

Before stopping an SIP during a market fall, check the scheme’s SEBI riskometer level and your long-term goals. Equity mutual funds can move between Moderate, High, or Very High risk categories depending on market conditions.

How do you pause or stop an SIP?


The process is online and usually takes a few minutes after login. You need your folio details, registered bank account, and completed KYC status before submitting the request.

  1. Log in to your account on the Bajaj Broking website using your registered mobile number or email ID.
  2. Open the “Portfolio” or “Orders” section and select the active SIP you want to manage.
  3. Choose the “Pause SIP” or “Stop SIP” option displayed beside the scheme details.
  4. Select the pause duration or confirm permanent SIP cancellation based on your requirement.
  5. Verify your bank mandate details and review the next SIP deduction date carefully.
  6. Submit the request and save the confirmation reference number for future tracking.

Conclusion

An SIP pause helps you temporarily stop SIP instalments while keeping your investment plan active. An SIP stop permanently ends future SIP contributions until you register again.

Before making a decision, review your financial goals, income stability, and the mutual fund scheme’s SEBI riskometer level. You can explore 4,000+ mutual fund schemes across equity, debt, hybrid, ELSS, and thematic categories on the Bajaj Broking website with SIP investments starting from Rs. 100 per month.

Frequently asked questions

What is the difference between pausing and stopping an SIP?

The main difference in sip pause vs sip stop is the duration of the break. An SIP pause temporarily skips instalments for a fixed period, usually 1 to 6 months depending on AMC rules. An SIP stop permanently cancels future SIP deductions from your bank account. In both cases, your existing mutual fund units remain invested unless you redeem them separately through the Bajaj Broking website.

How long can you pause an SIP?

The SIP pause period usually ranges from 1 to 6 months, though the exact limit depends on the AMC and mutual fund scheme rules. During this period, no SIP instalments are deducted from your bank account, but your invested units continue to stay in the scheme and remain market-linked. You should check the AMC’s pause facility terms before submitting the request.

Should I pause or stop my SIP during a market fall?

You may consider pausing an SIP during a market fall if your financial difficulty is temporary. Stopping an SIP permanently may affect your long-term investment discipline and future wealth creation. Before deciding, check the scheme’s SEBI-mandated riskometer level and your financial goals. The Bajaj Broking website lets you track your portfolio and review fund categories before making changes to your SIP.

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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.