Best Date For SIP

Many of us have used the Systematic Investment Plan to invest in mutual funds. However, Most of them always remain unsure about Best date for SIP. However, the best suggestion is, you should not invest on a single date in a month.

You should diversify your investments during the month across different mutual fund schemes to prevent over investing on a single date. Before talking about the which date is best for sip, let’s check out what is mutual fund?

Mutual fund

A mutual fund is a form of financial mechanism that invests in equities such as stocks bonds, money market instruments, and other assets by pooling funds from various contributors.

Qualified portfolio managers oversee mutual funds, allocating assets and attempting to generate capital gains or profits for the fund’s customers. The portfolio of a mutual fund is designed and managed to meet the financial goals specified in the proposal.

Mutual funds provide exposure to actively portfolio management of equities, shares, and other assets to small and individual customers. As a result, each shareholder shares in the fund’s gains and losses substantially.

Mutual Fund Books
Also read: Mutual Fund Books

How it works

A mutual fund is both a financial investment and a legal entity. This dual nature can seem odd, but it is no distinctive from how an Reliance share represents Reliance industries . When an individual purchases Reliance shares, he is purchasing a portion of the corporation ‘s stock and resources.

A mutual fund investor, on the other hand, is purchasing a portion of the mutual fund business and its resources. The variance is that Reliance deals Oil, retail and telecom, while a mutual fund firm makes investments.

Types of Mutual Funds

Mutual funds are classified into a variety of classification based on the securities they have chosen for their portfolios and the quality of returns they seek. For virtually every form of investor or investment strategy, there is a fund.

Money market funds, sector funds, alternative funds, smart-beta funds, target-date funds, including indeed funds of funds, or mutual funds that purchase stock in several other mutual funds, are all popular categories of mutual funds.

Names of different types of Mutual Funds

Difference Between Debt Funds and Liquid Funds
Also Read: Difference Between Debt Funds and Liquid Funds

These are top SIP funds:

  • Equity Funds
  • Fixed-Income Funds
  • Index Funds
  • Balanced Funds
  • Money Market Funds
  • Income Funds
  • International/Global Funds
  • Specialty Funds
  • Exchange Traded Funds (ETFs)
  • Debt funds

What is SIP?

Rather than investing a lump-sum commitment, Mutual Funds offer a Systematic Investment Plan (SIP), which allows investors to invest a specified amount in a Mutual Fund scheme at periodic occasions such as once a month or sometimes a quarter.

The monthly instalment payment, which is equivalent to a regular installment could be as low as INR 500. It’s easy because you may direct your bank to debit the money per month.

SIPs are becoming increasingly attractive between Indian mutual fund investors because they allow them to invest in a structured way without having to concern regarding market fluctuation or market movement. Now Check out best SIP dates.

Best Date for SIP

However, If you still looking for a date, when the best date to invest in sip for mutual fund investments?  Profit Must have done some research and would like to share it with you regarding the best date for sip.

Assumptions based on investing behaviour from different investor platforms and feedback given by Mutual funds users are listed below

Things to keep in mind

  • Investors believe that investing in a SIPs on several dates is preferable to investing on a single day.
  • Investors believe that rather than spending on the first of the month, they should also invest at the end of each month. It’s tough, though, since most bank accounts are empty at the end of the month.
  • Investors are attempting to predict market movements. That is, if the SENSEX drops a few marks, they will invest in them in a lump sum for that period.
  • Consumers prefer that equity and debt funds must have different SIP dates.


So to find your best date for mutual fund sip, first look at the amount you are looking to invest in SIPs every month. After deciding that find your personality what kind of personality you are? If you are not able to save till end of the month than keep your SIPs date in first week of the month, So the money will goes in the right hands before it will be misused.

While if you are person who can save month even until the end of month than last week of the month is best for you. However, mostly people recommend 25th of every month, but there is no hard and fast rule for the same.

Related Blogs related to the best date for SIP Investment:

SIP Investment is Good or Bad?

Mutual Funds in Demat Account Pros and Cons

Want to read more?

To get more clarity about Best Date For SIP, Please read this book :

Indian Mutual Funds Handbook (5th Edition): A Guide for Industry Professionals and Intelligent Investors

Frequently Asked Question

Best Date to Invest in sip – FAQ

Is SIP helpful in creating wealth?

if you choose the right fund and follow it properly. It will surely help you in creating wealth.

Do you really think that Mutual fund sahi hai?

This is totally depend on what kind of personality you are? people who don't have any knowledge regarding investing than yes it's helpful for you.

Who regulate mutual funds?

Securities and Exchange Board of India.

Is their any risk in mutual funds?

Yes, There is risk in Mutual funds similar as it's their in stock market or any other type of investment.

Is 25th is the best date for sip?

Money works differently for everyone. So first look at your personality and then decides the date instead of 25th.

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