₹25,000 Monthly SIP in LIC MF Gold Exchange Traded Fund for 3 Years
If you had started a ₹25,000/month SIP on 18 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Gold Exchange Traded Fund's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹1,45,680
18 Aug 2026
Absolute gain
₹-7,79,320
-84.3%
XIRR (annualised)
-87.03%
money-weighted
The journey, month by month
Worst fall on the way
-99.2%
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
₹10,30,056
Modelled at historical FD rates. The fund trailed FD by ₹8,84,376.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹3,25,000 | ₹3,60,404 | +10.9% |
| Year 2 (18 Aug 2025) | ₹6,25,000 | ₹8,53,105 | +36.5% |
| Year 3 (18 Aug 2026) | ₹9,25,000 | ₹1,45,680 | -84.3% |
Best year of the journey: Year 2 (+29.2% market move) · Toughest year: Year 3 (-87.4%)
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 Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using LIC MF Gold Exchange Traded Fund's published NAV (source: AMFI) between 18 Aug 2023 and 18 Aug 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.