₹25,000 Monthly SIP in ICICI Prudential Nifty IT ETF for 3 Years
If you had started a ₹25,000/month SIP on 3 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Nifty IT ETF's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹7,71,016
1 Oct 2026
Absolute gain
₹-1,53,984
-16.6%
XIRR (annualised)
-11.82%
money-weighted
The journey, month by month
Worst fall on the way
-22.9%
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
₹10,26,938
Modelled at historical FD rates. The fund trailed FD by ₹2,55,922.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2024) | ₹3,25,000 | ₹3,90,416 | +20.1% |
| Year 2 (1 Oct 2025) | ₹6,25,000 | ₹5,87,975 | -5.9% |
| Year 3 (1 Oct 2026) | ₹9,25,000 | ₹7,71,016 | -16.6% |
Best year of the journey: Year 1 (+20.1% market move) · Toughest year: Year 2 (-14.8%)
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 ICICI Prudential Nifty IT ETF's published NAV (source: AMFI) between 3 Oct 2023 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.