Samco ELSS Tax Saver Fund - Direct Plan - Growth
Samco Mutual Fund
Equity Schemes - ELSS- Tax Saver Fund
Best SIP day: the 4th.
Best SIP day for this fund
The 4th
Thin edgeThe 4th had the highest full-history XIRR for this fund. But 45 months of history is too little to tell whether the date matters at all.
Why the 4th
- Highest return of all 28 dates3.895%
Full-history XIRR, 0.11 pp above the middle of the month (3.781%).
- How far apart the 28 dates are0.38 pp
From the 18th (3.514%) up to the 4th. Wider than the 0.25 pp a date effect needs, but the order of dates didn't hold (-0.40, needs 0.6).
- What the spread is worth₹4,076
Between the highest- and lowest-value dates (the 4th and the 18th) on a notional ₹10,000 a month: 0.8% of the ₹4.8 lakh it grew to over 3.8 years.
Missing one instalment costs more than picking this date over a typical one.
A spread of 0.38 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 0.38 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
A spread of 0.38 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.
This fund is marked reduced confidence: 45 months of history leaves too few independent 3-year stretches for the numbers above to settle.