New Delhi, June 24 -- Choosing the best date of the month to start a SIP is a common question among mutual fund investors. A study of nearly 28 years of BSE Sensex TRI data suggests that the answer may be simpler than many investors think.

The findings show that the timing of a SIP within a month has little impact on long-term performance. Let's find out what the data says.

WhiteOak Capital Asset Management analysed 10-year rolling SIP returns for investments made on each date of the month in BSE Sensex TRI data from August 1996 to May 2026.

The study calculated the average SIP return (XIRR) for investors who consistently invested on a particular date every month over 10-year periods. The returns are almost similar across all dates.

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