BANK OF INDIA FLEXI CAP FUND - Direct Plan - Growth

Bank of India Mutual Fund

Equity Scheme - Flexi Cap 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 0.28 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 1st

Date effect

The 1st had the highest full-history XIRR for this fund. It sits 0.14 pp above the middle of the month, over 6.3 years.

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

This fund has 75 months of history, fewer than eight years. A spread of 0.28 pp is hard to tell apart from the noise a history this short produces, so this verdict reflects the length of the history as much as the fund.

For a notional ₹10,000 monthly SIP, the highest- and lowest-value dates (the 1st and 28th) ended ₹22,092 apart on ₹7.5 lakh invested, 1.6% of the ₹13.6 lakh it grew to, over 6.3 years.

The highest and lowest XIRR were on the 1st and the 10th.

I SIP on theDoes not change the named day.