Do you get more returns by investing on the 1st of the month? Know the real truth about SIP debt in mutual funds:

New Delhi: A question often arises in the minds of crores of investors investing in mutual funds – is doing SIP on the 1st of the month more beneficial than on the 20th? Does changing the date have any major impact on your final funds? In this special report of Amar Ujala, we will decode the mathematics of SIP dates and tell what experts’ opinion is on this.

10 years of data: date vs reality of returns

If you think that changing the date will make you a millionaire, then perhaps you are wrong. A 10-year analysis conducted by a large cap mutual fund between March 2015 and March 2025 has revealed shocking facts.

According to this data, the returns of those doing SIP on different dates of the month 13.07% to 13.26% Stayed between. For example, if you do a monthly SIP of ₹2,000, your total corpus in 10 years will be between ₹4.70 lakh to ₹4.76 lakh. That is, even after a long gap of 10 years, only a nominal difference of ₹ 6,000 was seen.

Not the date of return, these 4 things are most important

Experts believe that in the long term ‘discipline’ matters more than ‘date’. The main factors affecting your returns are:

Selection of Fund: In which category (small cap, mid cap or large cap) you are investing.

Investment Period: For how many years do you stay in the market?

Step-up SIP: Are you increasing your investment amount every year as your income increases?

Market Volatility: What is your ability to bear risk?

Rupee Cost Averaging: The Real Magic of SIP

The real power of SIP ‘Rupee Cost Averaging’ (Rupee Cost Averaging). When the market goes down, you get more units for the same amount, and when the market goes up, you get less units. In the long run this fluctuation automatically balances itself. This is the reason that in a period of 10-15 years, the difference on which date of the month you invested the money disappears.

Slight difference may be visible in short term

If you are investing only for 6 months or 1 year, then the date may have a slight impact depending on the market mood. Sometimes investors may get cheaper units when the market falls at the end of the month, but this is not a permanent pattern. It is better to spend time in the market rather than running after market timing.

Which date is best for you?

The best way to choose SIP date should not be ‘market’ but your ‘bank balance’.

Take care of cash flow: Choose SIP date only 2-3 days after the day your salary or income comes into your account.

Don’t miss payment: With this, your bank balance will be maintained and there will be no risk of bouncing charges or breaking of SIP.