💰 SIP ₹100 Daily vs ₹3,000 Monthly — What’s Better?
Investing ₹100 daily or ₹3,000 monthly gives nearly the same result — but your choice depends on behavior, not math. Daily SIP builds habit, monthly SIP builds simplicity. Both build wealth.
SIP (Systematic Investment Plan) is one of the easiest ways to build wealth over time. You can start small, stay consistent, and let compounding do the heavy lifting.
But there’s always one common question people ask:
👉 “Should I invest ₹3,000 once a month or ₹100 every day?”
Both look the same mathematically (₹3,000 × 12 = ₹36,000 a year), but do they really give the same returns? Let’s find out.
🧮 The Basic Math
| Plan | Frequency | Investment per Year | Approx. Return (Assuming 12% CAGR) | 10-Year Value |
|---|---|---|---|---|
| Monthly SIP | ₹3,000 per month | ₹36,000 | ~12% annualized | ₹6.97 lakh |
| Daily SIP | ₹100 per day | ₹36,500 | ~12% annualized | ₹7.05 lakh |
✅ Verdict (Purely Mathematically):
The returns are almost identical. You don’t earn a big extra gain by switching from monthly to daily SIP — maybe a few hundred rupees difference over years.
💡 Then Why Do Some Experts Recommend Daily SIPs?
It’s not about return — it’s about behavior.
1️⃣ Better Market Averaging
When markets fluctuate, daily SIPs buy at many different prices. That means better cost averaging, especially in volatile markets.
2️⃣ Easier to Start for Beginners
₹100/day feels lighter psychologically than committing ₹3,000 upfront every month. It builds consistency and habit.
3️⃣ Automatic Discipline
Small daily deductions mean you don’t “forget” to invest. It becomes a part of your routine, like morning tea or commute.
⚖️ Why Monthly SIP Still Works Better for Most
1️⃣ Fewer Transactions, Less Hassle
One auto-debit per month keeps things simple. Daily SIPs mean 30–31 small transactions — messy to track or pause.
2️⃣ Equal Returns in Long Term
In 5–10 years, market fluctuations even out. Daily vs. monthly difference is negligible if you stay consistent.
3️⃣ Fund House Limitations
Not all mutual funds offer daily SIPs. Monthly (or weekly) SIPs are widely supported and easier to set up on any app.
📊 Real-Life Example
Let’s say you invest for 10 years at 12% CAGR:
- Daily SIP ₹100: ₹7.05 lakh
- Monthly SIP ₹3,000: ₹6.97 lakh
➡️ Difference: ₹8,000 (that’s barely ₹65/month difference).
So unless you’re a trader or short-term investor trying to time volatility, both methods give nearly the same result.
🧠 The Smarter Way
- Choose Monthly SIP if you want simplicity and easy tracking.
- Choose Daily SIP if you want discipline and smoother cost averaging.
- In both cases — don’t skip SIPs when markets fall. That’s when compounding quietly works in your favor.
⚠️ Disclaimer:
This blog is for educational purposes only. Investment returns are market-linked and not guaranteed. Please consult a SEBI-registered financial advisor before investing.