UTI 10 year Constant Maturity Gilt Fund - Direct Plan - Growth

UTI Mutual Fund

Income/Debt Oriented Schemes - 10-year Constant Maturity Gilt 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 0.08 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. But 50 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.

For a notional ₹10,000 monthly SIP, the highest- and lowest-value dates (the 1st and 27th) ended ₹2,757 apart on ₹5.0 lakh invested, 0.5% of the ₹5.6 lakh it grew to, over 4.2 years.

The highest and lowest XIRR were on the 9th and the 14th.

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.

This fund is marked reduced confidence: 50 months of history leaves too few independent 3-year stretches for the numbers above to settle.