₹25,000 Monthly SIP in Aditya Birla Sun Life Nifty IT ETF for 3 Years
If you had started a ₹25,000/month SIP on 28 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Nifty IT ETF's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹7,67,888
28 Sept 2026
Absolute gain
₹-1,57,112
-17%
XIRR (annualised)
-11.51%
money-weighted
The journey, month by month
Worst fall on the way
-23.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹10,32,011
Modelled at historical FD rates. The fund trailed FD by ₹2,64,123.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹3,25,000 | ₹3,94,111 | +21.3% |
| Year 2 (29 Sept 2025) | ₹6,25,000 | ₹5,86,564 | -6.1% |
| Year 3 (28 Sept 2026) | ₹9,25,000 | ₹7,67,888 | -17% |
Best year of the journey: Year 1 (+21.3% market move) · Toughest year: Year 2 (-15.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
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Same SIP in other Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Aditya Birla Sun Life Nifty IT ETF's published NAV (source: AMFI) between 28 Sept 2023 and 28 Sept 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.