₹25,000 Monthly SIP in ITI Pharma and Healthcare Fund for 5 Years
If you had started a ₹25,000/month SIP on 11 Nov 2021 and never stopped — through every crash and rally — here is exactly what happened, using ITI Pharma and Healthcare Fund's actual NAV for all 59 installments.
You invested
₹14,75,000
59 installments
Value today
₹22,96,552
29 Sept 2026
Absolute gain
+₹8,21,552
+55.7%
XIRR (annualised)
18.12%
money-weighted
The journey, month by month
Worst fall on the way
-15.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,30,768
Modelled at historical FD rates. The fund beat FD by ₹5,65,784.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2022) | ₹2,75,000 | ₹2,75,002 | +0% |
| Year 2 (29 Sept 2023) | ₹5,75,000 | ₹6,84,336 | +19% |
| Year 3 (30 Sept 2024) | ₹8,75,000 | ₹14,58,162 | +66.6% |
| Year 4 (29 Sept 2025) | ₹11,75,000 | ₹16,82,066 | +43.2% |
| Year 5 (29 Sept 2026) | ₹14,75,000 | ₹22,96,552 | +55.7% |
Best year of the journey: Year 3 (+48.1% market move) · Toughest year: Year 4 (-4.3%)
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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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 11 Nov 2021 and 29 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.