Research shows less than 0.5% difference in 20-year returns across any SIP date. What matters is cash flow management.
Set SIP 3-5 days after salary credit. Salary on 1st → SIP on 5th, 7th, or 10th. Prevents auto-debit failure due to insufficient balance.
3 funds → 3 different dates: 5th, 15th, 25th. Natural monthly averaging, reduces single NAV-day concentration.
The most important "date" is the YEAR you start — not day of month. Starting 5 years earlier creates far more wealth than optimizing SIP date.
Start your SIP today: SIP Calculator
Contact: myself@sipcalculators.in