₹10,000 Monthly SIP in DSP Nifty 50 ETF for 5 Years
If you had started a ₹10,000/month SIP on 23 Dec 2021 and never stopped — through every crash and rally — here is exactly what happened, using DSP Nifty 50 ETF's actual NAV for all 59 installments.
You invested
₹5,90,000
59 installments
Value today
₹6,50,530
1 Oct 2026
Absolute gain
+₹60,530
+10.3%
XIRR (annualised)
4.06%
money-weighted
The journey, month by month
Worst fall on the way
-12.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹6,89,586
Modelled at historical FD rates. The fund trailed FD by ₹39,056.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹1,10,000 | ₹1,09,680 | -0.3% |
| Year 2 (3 Oct 2023) | ₹2,30,000 | ₹2,55,548 | +11.1% |
| Year 3 (1 Oct 2024) | ₹3,50,000 | ₹4,78,841 | +36.8% |
| Year 4 (1 Oct 2025) | ₹4,70,000 | ₹5,91,101 | +25.8% |
| Year 5 (1 Oct 2026) | ₹5,90,000 | ₹6,50,530 | +10.3% |
Best year of the journey: Year 3 (+27.5% market move) · Toughest year: Year 5 (-8.5%)
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 DSP Nifty 50 ETF's published NAV (source: AMFI) between 23 Dec 2021 and 1 Oct 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.