₹2,000 Monthly SIP in ICICI Prudential Retirement Fund - Pure Debt for 3 Years
If you had started a ₹2,000/month SIP on 4 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Retirement Fund - Pure Debt's actual NAV for all 37 installments.
You invested
₹74,000
37 installments
Value today
₹81,008
4 Sept 2026
Absolute gain
+₹7,008
+9.5%
XIRR (annualised)
6.09%
money-weighted
The journey, month by month
Worst fall on the way
-0.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹82,204
Modelled at historical FD rates. The fund trailed FD by ₹1,196.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2024) | ₹26,000 | ₹27,162 | +4.5% |
| Year 2 (4 Sept 2025) | ₹50,000 | ₹53,878 | +7.8% |
| Year 3 (4 Sept 2026) | ₹74,000 | ₹81,008 | +9.5% |
Best year of the journey: Year 2 (+5.3% market move) · Toughest year: Year 3 (4%)
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 similar funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using ICICI Prudential Retirement Fund - Pure Debt's published NAV (source: AMFI) between 4 Sept 2023 and 4 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.