ITI Dynamic Term Fund - Direct Plan - Growth Option
ITI Mutual Fund
Income/Debt Oriented Schemes - Dynamic Term Fund
Best SIP day: the 19th.
Best SIP day for this fund
The 19th
Thin edgeThe 19th had the highest full-history XIRR for this fund. The 28 dates sit close enough together that the difference between them is noise rather than a date effect.
Why the 19th
- Highest return of all 28 dates5.230%
Full-history XIRR, <0.01 pp above the middle of the month (5.226%).
- How far apart the 28 dates are0.03 pp
From the 5th (5.204%) up to the 19th. Narrower than the 0.25 pp a date effect needs, though the order of dates held (0.60).
- What the spread is worth₹2,851
Between the highest- and lowest-value dates (the 1st and the 28th) on a notional ₹10,000 a month: 0.4% of the ₹7.1 lakh it grew to over 5.2 years.
Missing one instalment costs more than picking this date over a typical one.
The date with the highest XIRR and the date with the highest final value differ here, which points to noise.
This fund has 62 months of history, fewer than eight years. A spread of 0.03 pp is hard to tell apart from the noise a history this short produces, so this verdict reflects the length of the history as much as the fund.
Higher than todayLower than todayTodayBest dayNot a SIP date
Each SIP date shows its full-history XIRR. Dates shaded as “higher than today” beat today’s date; the other shade fell short. Weakest to strongest across all 28 is 0.03 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.
Loading the calendarDoes not change the named day.
What to keep in mind
The date with the highest XIRR and the date with the highest final value differ here, which points to noise.
This fund has 62 months of history, fewer than eight years. A spread of 0.03 pp is hard to tell apart from the noise a history this short produces, so this verdict reflects the length of the history as much as the fund.
The date with the highest return and the date that ended with the most money are not the same date here. When two measures of the same question disagree, the difference between the dates is noise.