Does your SIP date matter for returns? Here’s what data shows

SIP date has minimal impact on returns; 10-year data shows returns ranged narrowly between 13.07%–13.26%.

Rs 1,000 monthly SIP grew to Rs 2.35–2.38 lakh over 10 years, regardless of the date chosen.

Convenience and discipline matter more than timing—align SIPs with salary for consistency.

Fund selection and goal alignment are key to long-term success, not the SIP date.