Daily SIP vs Monthly SIP

SIP stands for Systematic Investment Plan. It's a method of investing money regularly over a period of time. In an SIP, an investor invests a fixed amount of money at regular intervals, such as daily, monthly or quarterly, into a selected fund scheme. The idea behind SIPs is to encourage disciplined and regular investing, regardless of market conditions. But a question arises: How often should you invest through SIPs? Should it be daily or monthly? This article will help you choose which is the best for you.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹2,773

NAV

₹75.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.67 17.84 16.33 %

View Fund
Instant tax receipt
AUM (Cr)

₹36,263

NAV

₹77.24

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.5 15.75 15.9 %

View Fund
Instant tax receipt
AUM (Cr)

₹446

NAV

₹71.11

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.26 15.27 15.35 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,330

NAV

₹70.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.56 17.31 15.35 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,767

NAV

₹70.69

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.42 16.22 15.11 %

View Fund
Instant tax receipt
AUM (Cr)

₹237

NAV

₹50.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.72 16.21 14.72 %

View Fund
Instant tax receipt
AUM (Cr)

₹121

NAV

₹57.92

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.58 15.96 14.51 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,680

NAV

₹81.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.34 14.35 14.41 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,701

NAV

₹42.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.77 14.54 14.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹12,943

NAV

₹84.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.47 13.91 13.76 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,773

NAV

₹75.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.67 17.84 16.33 %

View Fund
AUM (Cr)

₹446

NAV

₹71.11

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.26 15.27 15.35 %

View Fund
AUM (Cr)

₹3,330

NAV

₹70.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.56 17.31 15.35 %

View Fund
AUM (Cr)

₹4,767

NAV

₹70.69

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.42 16.22 15.11 %

View Fund
AUM (Cr)

₹237

NAV

₹50.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.72 16.21 14.72 %

View Fund
AUM (Cr)

₹121

NAV

₹57.92

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.58 15.96 14.51 %

View Fund
AUM (Cr)

₹3,701

NAV

₹42.91

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.77 14.54 14.4 %

View Fund
AUM (Cr)

₹12,943

NAV

₹84.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.47 13.91 13.76 %

View Fund
AUM (Cr)

₹1,031

NAV

₹46.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.92 14.27 13.58 %

View Fund
AUM (Cr)

₹2,224

NAV

₹68.04

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.66 13.64 13.41 %

View Fund
AUM (Cr)

₹36,263

NAV

₹77.24

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.5 15.75 15.9 %

View Fund
AUM (Cr)

₹5,680

NAV

₹81.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.34 14.35 14.41 %

View Fund
AUM (Cr)

₹9,815

NAV

₹65.02

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29 23.3 21.28 %

View Fund
AUM (Cr)

₹12,246

NAV

₹115.86

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 29.43 23.7 18.4 %

View Fund
AUM (Cr)

₹1,053

NAV

₹74.72

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.69 16.02 15.53 %

View Fund
AUM (Cr)

₹14,008

NAV

₹70.74

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.91 14.96 14.16 %

View Fund
AUM (Cr)

₹3,622

NAV

₹61.24

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.53 14.75 13.52 %

View Fund
AUM (Cr)

₹1,137

NAV

₹56.59

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.75 14.87 13.48 %

View Fund
AUM (Cr)

₹541

NAV

₹58.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.23 13.23 12.06 %

View Fund
AUM (Cr)

₹268

NAV

₹28.72

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.32 10.56 11.22 %

View Fund
AUM (Cr)

₹810

NAV

₹41.06

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.69 7.23 7.6 %

View Fund
AUM (Cr)

₹512

NAV

₹38.65

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.33 7.35 7.4 %

View Fund
AUM (Cr)

₹76

NAV

₹42.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.68 7.04 7.23 %

View Fund
AUM (Cr)

₹179

NAV

₹35.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.24 6.83 7.23 %

View Fund
AUM (Cr)

₹119

NAV

₹29.95

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.88 6.84 7.07 %

View Fund
AUM (Cr)

₹184

NAV

₹47.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.59 6.42 7.03 %

View Fund
AUM (Cr)

₹93

NAV

₹39.23

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.27 6.83 6.95 %

View Fund
AUM (Cr)

₹1,022

NAV

₹47.07

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.71 6.67 6.93 %

View Fund
AUM (Cr)

₹6,870

NAV

₹32.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.81 6.43 6.93 %

View Fund
AUM (Cr)

₹935

NAV

₹102.08

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.84 17.09 16.09 %

View Fund
AUM (Cr)

₹367

NAV

₹48.7

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.5 11.43 11.06 %

View Fund
AUM (Cr)

₹5,378

NAV

₹40.85

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.46 10.72 10.72 %

View Fund
AUM (Cr)

₹64

NAV

₹62.03

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.1 10.24 10.63 %

View Fund
AUM (Cr)

₹482

NAV

₹105.07

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.07 10.27 10.45 %

View Fund
AUM (Cr)

₹22,439

NAV

₹74.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.69 10.25 10.31 %

View Fund
AUM (Cr)

₹276

NAV

₹32.19

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.48 10.41 10.28 %

View Fund
AUM (Cr)

₹833

NAV

₹40.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.83 10.69 10.22 %

View Fund
AUM (Cr)

₹7,213

NAV

₹111.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.33 10.39 10.11 %

View Fund
AUM (Cr)

₹18

NAV

₹33.74

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.89 10.03 10.04 %

View Fund
AUM (Cr)

₹1,309

NAV

₹80.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund
AUM (Cr)

₹7,449

NAV

₹158.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund
AUM (Cr)

₹3,075

NAV

₹69.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund
View More

How Does Daily SIP Work?

A daily SIP involves investing a small amount into your chosen fund scheme daily. This approach aims to leverage the power of rupee-cost averaging to a greater extent. Rupee-cost Averaging essentially evens out the purchase price of units by investing fixed amounts irrespective of market fluctuations. You can calculate your returns on SIP investments using the SIP calculator. An SIP calculator is a tool used to estimate the potential returns on investments made through SIPs in mutual funds or any other fund schemes. It considers factors such as the invested amount, investment duration, expected rate of return, and frequency of investments to calculate the corpus that can be accumulated over time. Users can use this calculator to plan their investment growth and set realistic financial goals.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
Top 300 Fund SBI Life
Rating
 11.41% 13.06%
12.93%
View Plan
Opportunities Fund HDFC Life
Rating
 19.5% 15.75%
15.9%
View Plan
High Growth Fund Axis Max Life
Rating
 29.43% 23.7%
18.4%
View Plan
US Growth Fund ICICI Prudential Life
Rating
 15.25% -
18.03%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 29% 23.3%
21.28%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 15.34% 14.35%
14.41%
View Plan
Multiplier Birla Sun Life
Rating
 19.5% 16.32%
15.9%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 31.41% 24.68%
18.41%
View Plan
Equity II Fund Canara HSBC Life
Rating
 11.6% 11.71%
11.51%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 14.54% -
14.6%
View Plan
Fund rating powered by
Last updated: Dec 2025
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth ₹822.00 Crs 35.31% N/A N/A ₹500 35.07%
Bandhan Small Cap Fund Regular-Growth ₹14,062.19 Crs 29.34% 30.26% N/A ₹1,000 31.59%
Motilal Oswal Midcap Fund Regular-Growth ₹33,608.53 Crs 25.97% 33.24% 17.66% ₹500 22.31%
ICICI Prudential Infrastructure Fund-Growth ₹7,941.20 Crs 28.79% 37.23% 17.14% ₹5,000 15.97%
Canara Robeco Large Cap Fund Regular-Growth ₹16,406.92 Crs 16.08% 17.34% 13.87% ₹100 12.99%
Mirae Asset Large Cap Fund Direct- Growth ₹39,975.32 Crs 14.85% 17.48% 14.46% ₹5,000 16.26%
Kotak Midcap Fund Regular-Growth ₹57,375.20 Crs 22.42% 27.51% 18.07% ₹100 15.26%
SBI Small Cap Fund-Growth ₹35,562.96 Crs 13.89% 23.99% 18.17% ₹5,000 19.25%
SBI Gold ETF ₹8,810.86 Crs 31.81% 17.85% 15.14% ₹5,000 12.57%

Updated as of Dec 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

  1. Advantages of Daily SIP Plan

    • Enhanced Rupee-Cost Averaging: Daily SIP purchases produce a more precise cost-averaging effect than monthly SIPs. By investing small amounts throughout the month, you capture market movements more frequently, potentially acquiring units at a lower average cost over time.

    • Potential for Higher Returns: Daily SIPs could lead to higher returns in a changing market due to more frequent purchases at potentially lower NAVs (Net Asset Values).

  2. Disadvantages of Daily SIP Plan

    • Increased Transaction Costs: Some fund houses might levy transaction charges for every SIP instalment. Frequent purchases through daily SIP can accumulate these charges, potentially lowering your returns.

    • Difficult to Track and Manage: Monitoring daily investments can be difficult. Keeping track of multiple transactions and managing investment statements can become overwhelming.

    • Limited Availability: Not all fund houses or investment platforms offer daily SIP options. The availability of this feature might be restricted.

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
13.31%
Equity Pension
Opportunities Fund
15.9%
Opportunities Fund
High Growth Fund
18.4%
High Growth Fund
US Growth Fund
18.03%
US Growth Fund
Multi Cap Fund
21.28%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.41%
Accelerator Mid-Cap Fund II
Multiplier
15.9%
Multiplier
Frontline Equity Fund
15.11%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Equity II Fund
11.51%
Equity II Fund
US Equity Fund
14.6%
US Equity Fund
Growth Opportunities Plus Fund
15.53%
Growth Opportunities Plus Fund
Equity Top 250 Fund
12.06%
Equity Top 250 Fund
Future Apex Fund
14.51%
Future Apex Fund
Pension Dynamic Equity Fund
12.45%
Pension Dynamic Equity Fund
Accelerator Fund
14.72%
Accelerator Fund

Monthly SIP Meaning

Monthly SIP is a simple and disciplined investment approach where you invest a fixed amount of money in a mutual fund or market-linked investment scheme at regular intervals, i.e. monthly. Monthly SIP strategy is used to accumulate wealth over time, especially for long-term financial goals like retirement or buying a house.

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

How Does Monthly SIP Work?

Monthly SIPs are the most popular choice for investors. They involve investing a fixed amount into your chosen fund scheme on a predetermined date every month.

  1. Advantages of Monthly SIPs

    • Convenience and Simplicity: Aligns perfectly with your monthly income cycle, making budgeting and managing finances easier. Tracking monthly transactions is less time-consuming.

    • Reduced Transaction Costs: Compared to daily SIPs, monthly SIPs typically incur fewer transaction charges, maximizing your returns.

    • Discipline and Consistency: The monthly rhythm encourages a disciplined investment habit, fostering long-term wealth creation.

    • Reduced Emotional Influence: Less frequent exposure to market movements can help minimize emotional reactions and impulsive decisions.

  2. Disadvantages of Monthly SIPs

    • Less Frequent Cost Averaging: Compared to daily SIPs, monthly purchases capture market movements less frequently, potentially leading to a slightly higher average cost per unit.

    • Missed Opportunities: In a persistently rising market, monthly SIPs might miss out on some opportunities to buy units at lower NAVs compared to daily purchases.

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Choosing the Right SIP Frequency

There's no one-size-fits-all answer to the daily vs. monthly SIP debate. The ideal choice depends on your individual choices and financial goals:

  • Investment Horizon: Long-term investors (10+ years) might benefit more from the discipline and consistency of monthly SIPs. The impact of cost averaging becomes less significant over longer periods.

  • Financial Discipline: If you struggle with managing finances or tracking investments, monthly SIPs offer a simpler and more manageable approach used in many best SIP plans.

  • Risk Tolerance: Daily market fluctuations might be unsettling for risk-averse investors. Monthly SIPs can help reduce emotional decision-making.

  • Investment Amount: If you're investing smaller amounts, the potential benefit of daily cost averaging might be negligible. Transaction costs associated with daily SIPs might outweigh the advantages.

Here are some additional factors to consider:

  • Income Cycle: Align your SIP frequency with your income cycle for easier budgeting and maintaining consistency.

  • Investment Platform: Choose a platform that offers the SIP frequency that best suits your needs. Some platforms might have minimum investment requirements for daily SIPs.

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500 SIP for 1 Year
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Aditya Birla SIP Calculator
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Yes Bank SIP Calculator
Reliance SIP calculator
Bajaj Allianz SIP Calculator
TATA SIP Calculator

FAQs

  • Are there any tax benefits associated with daily vs. monthly SIPs?

    No, the tax treatment of SIP investments remains the same irrespective of the chosen frequency (daily or monthly).  Equity SIPs qualify for Long-Term Capital Gains tax (LTCG) benefits if held for over one year, while debt SIPs are taxed based on the holding period as per income tax slabs.

  • Are daily SIPs riskier?

    Not necessarily. Both daily and monthly SIPs are designed to mitigate risk through rupee-cost averaging.

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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