₹5,000 Monthly SIP in Mirae Asset Focused Fund Direct IDCW for 5 Years
If you had started a ₹5,000/month SIP on 30 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Mirae Asset Focused Fund Direct IDCW's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,39,239
30 Sept 2026
Absolute gain
+₹34,239
+11.2%
XIRR (annualised)
4.15%
money-weighted
The journey, month by month
Worst fall on the way
-16.9%
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
₹3,59,153
Modelled at historical FD rates. The fund trailed FD by ₹19,914.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2022) | ₹65,000 | ₹62,480 | -3.9% |
| Year 2 (3 Oct 2023) | ₹1,30,000 | ₹1,41,951 | +9.2% |
| Year 3 (30 Sept 2024) | ₹1,85,000 | ₹2,32,700 | +25.8% |
| Year 4 (30 Sept 2025) | ₹2,45,000 | ₹2,87,550 | +17.4% |
| Year 5 (30 Sept 2026) | ₹2,95,000 | ₹3,29,106 | +11.6% |
Best year of the journey: Year 3 (+18.2% market move) · Toughest year: Year 1 (-3.9%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Mirae Asset Focused Fund Direct IDCW's published NAV (source: AMFI) between 30 Sept 2021 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.