Sandeep Kulkarni

What happens when you stop your SIP during a bear market just because the portfolio XIRR is looking low. We analysed real SIP data from October 2017 to November 2025 — eight years, three equity funds, ₹10,000 SIP each month. And when you look at this period, you see one clear truth: markets will keep testing you, but SIPs reward those who stay consistent. 2018 had LTCG tax, the NBFC crisis, and global tensions — the first dip. 2019 was a slow, grinding year where confidence fell. 2020 brought the Covid crash — the steepest fall on the chart. 2021 had another wobble with the second Covid wave. 2022 came with inflation, rate hikes, and the Russia–Ukraine war. 2023 saw volatility from global yields, corporate news, and FII selling. 2024 had healthy corrections because valuations were high. 2025 faced growth worries and foreign selling, leading to a long drawdown. Through all this, XIRR jumped up and down in the early years. This is where most people panic and doubt their SIPs. But SIPs were never meant to perform in 6–12 months. As more instalments go in and more cycles get absorbed, the impact of any single crash reduces. When you zoom out, the long-term returns become strong and stable. Short-term noise means nothing. Long-term compounding means everything. Stay consistent — that’s how wealth is built.

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