₹25,000 Monthly SIP in ITI Pharma and Healthcare Fund 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 ITI Pharma and Healthcare Fund's actual NAV for all 36 installments.
You invested
₹9,00,000
36 installments
Value today
₹10,91,629
30 Sept 2026
Absolute gain
+₹1,91,629
+21.3%
XIRR (annualised)
12.98%
money-weighted
The journey, month by month
Worst fall on the way
-12.7%
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
₹10,01,738
Modelled at historical FD rates. The fund beat FD by ₹89,891.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹3,00,000 | ₹3,93,133 | +31% |
| Year 2 (30 Sept 2025) | ₹6,00,000 | ₹6,68,601 | +11.4% |
| Year 3 (30 Sept 2026) | ₹9,00,000 | ₹10,91,629 | +21.3% |
Best year of the journey: Year 1 (+31% market move) · Toughest year: Year 2 (-3.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using ITI Pharma and Healthcare Fund's published NAV (source: AMFI) between 3 Oct 2023 and 30 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.