Which SIP Date is Better for Investment?

When it comes to investing through SIP (Systematic Investment Plan), one of the most common and oddly persistent questions is:

"Which date of the month should I pick for my SIP?"

Some swear by the 1st, others prefer the 15th. A few split their SIPs across multiple dates hoping to "average" better. And some go ultra-strategic, picking dates near the F&O expiry (last Thursday of the month) assuming volatility might fetch better NAVs.

But here’s the truth, backed by data from over 28 years:

Let’s understand this with facts, fun, and a few helpful visuals.

What Does the Data Say?

WhiteOak Capital Mutual Fund conducted a detailed study using daily rolling 10-year SIP returns on the BSE Sensex TRI between September 1996 to April 2025.

Here’s the result:

As you can see, the returns across all SIP dates are nearly identical. The difference between the highest and lowest return is barely 0.07%.

So Which SIP Date Should You Choose?

Simple answer: Pick a date that aligns with your cash flow.

• Just got your salary? SIP on the 2nd or 3rd.

• Running a business? Maybe the 10th or 15th works better.

• Freelance or variable income? Choose a flexible date like the 20th or even set two SIPs.

The idea is to make it effortless and automatic—so you don’t have to think about it every month.

Automation + Consistency = Wealth

Imagine This: 15 Years from Now…

Let’s say you’re ready to take your wealth goals seriously and you begin a ₹1,00,000 monthly SIP. That’s ₹12 lakhs a year. Over 15 years:

• Total Investment: ₹1.8 Crores

• Assuming 14% CAGR return: You build over ₹5.4 Crores

Now pause. Close your eyes. Imagine what this means.

• A luxury home in the heart of the city

• Annual international family vacations

• Funding your child’s foreign education without a loan

• Full financial freedom at 50—retire or restart life on your terms

Now let’s go bigger.

The 10-Lakh SIP Vision

Yes, some business owners, CXOs, and professionals are doing this today. ₹10L SIP x 12 months x 15 years = ₹1.8 Crores annually x 15 = ₹18 Crores invested.

At 14% CAGR, wealth created = ₹54 Crores+

Visualize that:

• Multiple properties, debt-free

• Corpus generating ₹10–20 lakhs/month in passive income

• Leaving a legacy—not just money, but options

• Impact-driven goals: charity, startups, foundations

This isn’t magic. It’s math + mindset + momentum.

And none of that changed whether you picked the 1st, 10th, or 25th of the month to invest.

Pro Tips for SIP Investors

1. Avoid over-optimizing: SIP is about discipline, not perfection.

2. Stick to the plan: Don’t stop SIPs in volatile markets.

3. Reinvest and review: Every 12 months, check your funds—not the SIP date.

4. Top-up annually: Increase your SIP as your income grows.

5. Split if needed: Have SIPs in multiple dates only if cash flow demands it—not because you expect miracles.

Final Thought: Your Date Doesn’t Define Your Destiny

Every SIP date gives you nearly the same return. What matters most is getting started and staying committed.

The best time to start investing? Yesterday.
The next best time? Today.

Need help setting up or reviewing your SIPs? Reply and we’ll help you align your investments with your dreams.

Warm regards,

Tejas Lakhani - building wealth one step at a time.