₹5,000 Monthly SIP in Aditya Birla Sun Life Nifty IT ETF for 5 Years
If you had started a ₹5,000/month SIP on 29 Oct 2021 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 60 installments.
You invested
₹3,00,000
60 installments
Value today
₹2,68,188
24 Sept 2026
Absolute gain
₹-31,812
-10.6%
XIRR (annualised)
-4.43%
money-weighted
The journey, month by month
Worst fall on the way
-25.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,52,330
Modelled at historical FD rates. The fund trailed FD by ₹84,142.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2022) | ₹60,000 | ₹49,744 | -17.1% |
| Year 2 (25 Sept 2023) | ₹1,20,000 | ₹1,28,815 | +7.3% |
| Year 3 (24 Sept 2024) | ₹1,80,000 | ₹2,41,878 | +34.4% |
| Year 4 (24 Sept 2025) | ₹2,40,000 | ₹2,59,232 | +8% |
| Year 5 (24 Sept 2026) | ₹3,00,000 | ₹2,68,188 | -10.6% |
Best year of the journey: Year 3 (+28.1% market move) · Toughest year: Year 1 (-17.1%)
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 29 Oct 2021 and 24 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.