Navi Nifty Bank Index Fund - Direct Plan - Growth

Navi Mutual Fund

Other Scheme - Index Funds

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 0.27 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 13th

Thin edge

The 13th had the highest full-history XIRR for this fund. But 56 months of history is too little to tell whether the date matters at all.

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

A spread of 0.27 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 13th and 21st) ended ₹3,591 apart on ₹5.6 lakh invested, 0.5% of the ₹6.7 lakh it grew to, over 4.7 years.

The highest and lowest XIRR were on the 13th and the 3rd.

I SIP on theDoes not change the named day.

What to keep in mind

This fund is marked reduced confidence: 56 months of history leaves too few independent 3-year stretches for the numbers above to settle.