Aditya Birla Sun Life Credit Risk Fund - Direct Plan - GROWTH

Aditya Birla Sun Life Mutual Fund

Debt Scheme - Credit Risk Fund

Higher than todayLower than todayTodayBest dayNot a SIP date

Each SIP date shows its full-history XIRR. Green dates were higher than today’s date; red dates were lower. Weakest to strongest across all 28 is 0.01 pp, and the deeper the fill, the further from today’s figure that date sat. Tap a date (1–28) to compare it with the named day; that does not change the answer.

The 9th

Noise

The 9th had the highest full-history XIRR for this fund. The 28 dates sit close enough together that the difference between them is noise rather than a date effect.

Missing one instalment costs more than picking this date over a typical one.

For a notional ₹10,000 monthly SIP, the highest- and lowest-value dates (the 1st and 28th) ended ₹15,023 apart on ₹13.7 lakh invested, 0.6% of the ₹24.8 lakh it grew to, over 11.4 years.

The highest and lowest XIRR were on the 9th and the 22nd.

I SIP on theDoes not change the named day.

What to keep in mind

The date with the highest return and the date that ended with the most money are not the same date here. When two measures of the same question disagree, the difference between the dates is noise.