SBI Long Term Fund - Direct Plan - Growth

SBI Mutual Fund

Income/Debt Oriented Schemes - Long Term 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 0.15 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

Noise

The 1st had the highest full-history XIRR for this fund. But 45 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 25th) ended ₹2,787 apart on ₹4.5 lakh invested, 0.6% of the ₹4.9 lakh it grew to, over 3.8 years.

The highest and lowest XIRR were on the 1st and the 24th.

I SIP on theDoes not change the named day.

What to keep in mind

This fund is marked reduced confidence: 45 months of history leaves too few independent 3-year stretches for the numbers above to settle.