₹1,000 Monthly SIP in Invesco India Money Market Fund - Discretionary IDCW (Payout / Reinvestment) for 15 Years
If you had started a ₹1,000/month SIP on 1 Feb 2012 and never stopped — through every crash and rally — here is exactly what happened, using Invesco India Money Market Fund - Discretionary IDCW (Payout / Reinvestment)'s actual NAV for all 176 installments.
You invested
₹1,76,000
176 installments
Value today
₹45,02,448
28 Sept 2026
Absolute gain
+₹43,26,448
+2458.2%
XIRR (annualised)
39.88%
money-weighted
The journey, month by month
Worst fall on the way
-1.3%
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
₹3,13,643
Modelled at historical FD rates. The fund beat FD by ₹41,88,805.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2012) | ₹6,000 | ₹5,947 | -0.9% |
| Year 2 (11 Nov 2014) | ₹11,000 | ₹15,27,620 | +13787.5% |
| Year 3 (11 Nov 2014) | ₹11,000 | ₹15,27,620 | +13787.5% |
| Year 4 (28 Sept 2015) | ₹21,000 | ₹16,59,982 | +7804.7% |
| Year 5 (28 Sept 2016) | ₹33,000 | ₹18,07,559 | +5377.5% |
| Year 6 (28 Sept 2017) | ₹45,000 | ₹19,41,638 | +4214.8% |
| Year 7 (28 Sept 2018) | ₹57,000 | ₹20,93,485 | +3572.8% |
| Year 8 (30 Sept 2019) | ₹69,000 | ₹22,62,486 | +3179% |
| Year 9 (28 Sept 2020) | ₹81,000 | ₹24,18,530 | +2885.8% |
| Year 10 (28 Sept 2021) | ₹93,000 | ₹25,19,960 | +2609.6% |
| Year 11 (28 Sept 2022) | ₹1,05,000 | ₹26,08,349 | +2384.1% |
| Year 12 (29 Sept 2023) | ₹1,17,000 | ₹28,03,260 | +2295.9% |
| Year 13 (30 Sept 2024) | ₹1,29,000 | ₹30,23,408 | +2243.7% |
| Year 14 (30 Sept 2025) | ₹1,41,000 | ₹32,60,061 | +2212.1% |
| Year 15 (28 Sept 2026) | ₹1,51,000 | ₹34,70,668 | +2198.5% |
Best year of the journey: Year 2 (+13854.7% market move) · Toughest year: Year 1 (-0.9%)
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 Money Market funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Invesco India Money Market Fund - Discretionary IDCW (Payout / Reinvestment)'s published NAV (source: AMFI) between 1 Feb 2012 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.