Introduction

"Namaste doston! Aaj hum ek bahut hi important topic discuss karne wale hain jo har
investor ke liye ek eye-opener ban sakta hai – Mutual Fund SIP log kyun band karte hain,
iska kya nuksaan hai, aur long-term mein SIPs kaise aapke liye wealth create kar sakti hain?
Agar aapka goal financial freedom hai, toh yeh video miss mat kijiye! Toh bina time waste
kiye, chaliye shuru karte hain!"

Mutual Fund Industry’s Exceptional Growth

First thing first "Sabse pehle, Mutual Fund industry ki baat karte hai with data, toh yeh ek
success story rahi hai! Kaese ?

Aayiye kuch important data points ko samajhte hain:-

Mutual Fund Industry: Ek Success Story

1. AUM (Assets Under Management) ka Growth

2014 mein Mutual Fund industry ka AUM ₹10.90 lakh crore tha, jo pichle 10 saalon mein 6x badh kar
November 2024 tak ₹68 lakh crore ho gaya hai

Recent growth ki baat kare to Pichle 5 saalon (2019-2024) mein, AUM ₹27.05 lakh crore se double
hoke ₹68.08 lakh crore tak pahunch gaya hai, jo investors ke barte bharose ka proof hai.

2. SIP Contributions ka Rising Trend

Sip contribution ko dekhe to Sirf November 2024 mein ₹25,320 crore SIP contributions hue, jo
disciplined aur consistent investing ke adoption ko dikhata hai.
SIP accounts ka total number ab 10.23 crore tak pahunch gaya hai – yeh ek record hai!

3. Folios ka Record

Vhi pe Mutual Funds ke folios (accounts) ab 22.08 crore tak pahunch gaye hain, jo retail investors ke
barte interest ko dikhata hai.

Jisme se Equity, Hybrid, aur Solution-Oriented Schemes mein 17.55 crore folios hain, jahan se retail
investors ka sabse zyada contribution aata hai.
4. Retail Investors ka Bharosa

- SIP ke through long-term investing ka adoption har saal badh raha hai, jo financial planning aur
wealth creation ke liye ek positive trend hai.

Lekin fir log SIP rokk kuu rahe hai ??

Point 1: Why are people stopping their SIPs even though it’s meant for long-
term wealth?

 har achhi kahani ke saath ek challenge bhi hota hai. November 2024 mein SIP
stoppage ratio 79.12% tak pahunch gaya hai. Matlab jitne naye SIP accounts khul
rahe hain, unmein se lagbhag 79% ya toh band ho rahe hain ya unka tenure complete
ho gaya hai.
 "Log SIP kyun band karte hain? Sabse common reason hai – market correction ya
girawat ka darr. Ab ek example lete hain jo aapki aankhein khol dega:

o Ram aur Shyam dono ₹10,000/month ki SIP karte hain .

o 5 saal baad Ram ne market correction ke time invested rehta hai, jabki Shyam
apne paise nikal leta hai jab dono ki portfolio value same thi
o 10 saal baad, jab market wapas recover hota hai, Ram ka portfolio ₹23 lakh
ho jata hai, jabki Shyam ka sirf ₹8 lakh.

o Kyun? Kyunki Ram ne market ke lows pe zyada units kharide aur Shyam ne
woh opportunity miss kar di.
 Moral of the story? SIP ko tabhi band karna sabse badi galti hai jab market gir raha
ho. Yeh wahi time hota hai jab aap long-term mein sabse zyada returns kama sakte
ho!"

Point 2: How does closing an SIP benefit those who stay invested?

 "Doston, SIPs ka ek magic hota hai – rupee cost averaging. Jab market down hota
hai, tab aapki monthly SIP ke zariye aapko zyada units milte hain.
o For example, agar market ke highs pe ek unit ₹100 ka mil raha tha aur lows pe
₹80 ka, toh aapka average cost ₹90 ho jayega.
o Jab market wapas upar jayega, toh aapko high returns milega kyunki aapne
saste units kharide the.
 Jaesa ki aap graph me dekh sakte hai market ne jab jab lows banae hai vha vha se V-
Shape recovery aai hai aaur hume jaesa pata hai long term me market ooper jaegi to
humme invested rahna chahie
 Jaese market ne pichle 5 saal me 94.77% ka return dia hai abb aap sochie iska faida
kisko mila hoga jo exit kar jaate hai ya jo invested rahte hai

 Ab ek aur example lete hain:

o Shweta aur Priya dono ne SIP shuru ki. Market correction ke time Shweta ne
invested rehkar units accumulate kiye. Priya ne apni SIP band kar di.
o Jab market recover hua, Shweta ka portfolio Priya ke comparison mein 30-
40% zyada grow hua.
 Toh agar aap SIP close karte ho, toh iska faayda bas unko hota hai jo invested rehte
hain!"

Point 3: Why do SIPs fail for most people but work for only a few people?

 "SIPs kaam har kisi ke liye nahi karti, lekin iska reason SIP nahi hai, balki investor ka
mindset hai.
o Most log patience lose kar dete hain aur short-term fluctuations dekhkar apna
paisa nikal lete hain.
o Lekin jo log discipline ke saath invested rehte hain, wahi long-term mein
winners bante hain.
 Ek aur baat – SIP ek marathon hai, race nahi. Agar aap quick results expect karte ho,
toh aap fail karoge. Lekin agar aap apne goals ke liye committed ho, toh aapke paas
success ka chance hai.
 Pichle 10 saal ka data dekhiye – mutual fund industry ka AUM ₹10.90 lakh crore
(2014) se grow karke ₹68.08 lakh crore (2024) ho chuka hai. Jo log short-term
volatility ke baare mein nahi sochte, wahi iss growth ka benefit lete hain!"

Point 4: How many investors lose money in SIPs, and what’s the reason
behind it?

 "Doston, ek shocking statistic yeh hai ki zyadatar log mutual funds mein paisa kho
dete hain kyunki wo market timing karte hain ya panic mein apna paisa nikal lete
hain.
o Ek data point kehta hai ki jab market girta hai, SIP stoppage ratio (SIP band
karne wale logon ka percentage) bahut zyada badh jata hai.
o Example ke liye, November 2024 mein SIP stoppage ratio 79.11 tha – jo ki
historically kaafi high hai.
o Lekin agar log invested rehte, toh unka paisa recover ho sakta tha, jaise har
market correction ke baad hota hai.
 Iska reason hai – logon ka patience aur long-term thinking ka absence. SIPs tab fail
hoti hain jab aap short-term fluctuations ko zyada importance dete ho aur apne
financial goals ko bhool jaate ho."

Segment 5: Common Myths aur Unka Reality Check

Abb hum jaate jaate kuch myths ko clear karna chahte hai Logon ke mann mein kuch
common myths hote hain, jo unhe mutual funds mein invest karne se rokte hain. Aayiye unka
reality check karte hain:
1. Myth: Market gir raha hai, toh paisa doob jayega.
Reality: Market ke girne se zyada units milte hain, jo long-term mein zyada returns
dete hain.
2. Myth: SIP chhoti amounts ke liye hai, bade goals ke liye nahi.
Reality: SIP ko consistent rakhein, aapke bade financial goals bhi achieve ho sakte
hain.
3. Myth: Mutual funds risky hote hain.
Reality: Har fund ka apna risk profile hota hai—equity high-risk, debt low-risk. Aap
apne goals ke hisaab se fund choose kar sakte hain."

[Conclusion with a Strong Call-to-Action]

"Doston, aaj ki sabse badi seekh yeh hai – SIP ko band mat karo, chahe market gir raha ho
ya upar ja raha ho. Long-term investing ka magic tabhi kaam karega jab aap apne goals ke
liye committed rahoge. SIP ek habit hai jo aapko financial freedom ke aur kareeb le jaati hai.
Toh agar aapko yeh video informative lagi ho, toh like kariye, apne doston ke saath share
kariye aur channel ko subscribe kariye! Ab se ek promise kijiye – SIP chalega aur future
banega! Milte hain agle video mein, tab tak ke liye – invested rahiye, motivated rahiye!"