SIP Frequency vs. Time: Data Reveals Duration Trumps Daily Investing for Returns

• A Moneycontrol study compared daily, monthly, and quarterly SIPs in Nifty 50 over 15 years (Dec 2010 - Dec 2025), keeping total investment constant.
• Despite varying frequencies, the final returns for daily, monthly, and quarterly SIPs were almost identical (approx. ₹1.15 crore).
• The difference in XIRR was marginal, indicating daily investing offers no significant long-term advantage over less frequent options.
• The study concludes that the duration of investment and staying invested through market cycles are far more crucial than investment frequency.
• Monthly SIPs are recommended for most investors due to convenience, alignment with salary cycles, and ease of tracking, given similar returns.

Why It Matters: Long-term investment duration, not frequency, is the key to maximizing SIP returns.