If your goal is years away and your job income is intact, continuing SIPs during drawdowns is usually the point of the strategy: you buy more units at lower prices.
Pause only for real constraints
- Cash runway is threatened (job loss, medical shock).
- High-interest debt has become unstable.
- The goal horizon collapsed (you need the money soon).
- Not because a celebrity predicted a further 20% drop.
Conclusion
Write your pause rules in calm markets. In crashes, follow the document—not your pulse.