New Delhi, Sept. 7 -- If your equity mutual fund SIP has delivered flat or negative returns over the past two years, the temptation to pause or stop your investments may be strong. But does a poor start mean the SIP is failing, or could staying invested improve the eventual outcome?

Share.Market by PhonePe has released its CRISP Mutual Fund Scorecard for the quarter ended June 2026. The report analyzed two decades of rolling SIP returns in the Nifty 500 TRI and suggests that investors may be better off extending their investment horizon rather than judging an SIP based on its first two years.

In fact, the report found that 7 in 10 five-year SIPs delivered double-digit annualised returns when the first two years had seen weak or negative...