₹25,000 Monthly SIP in Nippon India Consumption Fund-Growth Plan for 20 Years
If you had started a ₹25,000/month SIP on 18 Aug 2006 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Consumption Fund-Growth Plan's actual NAV for all 241 installments.
You invested
₹60,25,000
241 installments
Value today
₹2,67,63,829
18 Aug 2026
Absolute gain
+₹2,07,38,829
+344.2%
XIRR (annualised)
13.2%
money-weighted
The journey, month by month
Worst fall on the way
-56.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
18
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,42,88,835
Modelled at historical FD rates. The fund beat FD by ₹1,24,74,994.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹3,25,000 | ₹4,06,581 | +25.1% |
| Year 2 (18 Aug 2008) | ₹6,25,000 | ₹5,70,771 | -8.7% |
| Year 3 (18 Aug 2009) | ₹9,25,000 | ₹8,74,216 | -5.5% |
| Year 4 (18 Aug 2010) | ₹12,25,000 | ₹16,79,841 | +37.1% |
| Year 5 (18 Aug 2011) | ₹15,25,000 | ₹16,69,616 | +9.5% |
| Year 6 (21 Aug 2012) | ₹18,25,000 | ₹22,63,129 | +24% |
| Year 7 (19 Aug 2013) | ₹21,25,000 | ₹28,03,769 | +31.9% |
| Year 8 (18 Aug 2014) | ₹24,25,000 | ₹41,70,596 | +72% |
| Year 9 (18 Aug 2015) | ₹27,25,000 | ₹52,77,227 | +93.7% |
| Year 10 (18 Aug 2016) | ₹30,25,000 | ₹62,21,865 | +105.7% |
| Year 11 (18 Aug 2017) | ₹33,25,000 | ₹65,58,398 | +97.2% |
| Year 12 (20 Aug 2018) | ₹36,25,000 | ₹75,68,921 | +108.8% |
| Year 13 (19 Aug 2019) | ₹39,25,000 | ₹73,00,565 | +86% |
| Year 14 (18 Aug 2020) | ₹42,25,000 | ₹88,61,259 | +109.7% |
| Year 15 (18 Aug 2021) | ₹45,25,000 | ₹1,33,77,167 | +195.6% |
| Year 16 (18 Aug 2022) | ₹48,25,000 | ₹1,64,05,805 | +240% |
| Year 17 (18 Aug 2023) | ₹51,25,000 | ₹1,89,72,729 | +270.2% |
| Year 18 (19 Aug 2024) | ₹54,25,000 | ₹2,73,51,024 | +404.2% |
| Year 19 (18 Aug 2025) | ₹57,25,000 | ₹2,71,51,180 | +374.3% |
| Year 20 (18 Aug 2026) | ₹60,25,000 | ₹2,67,63,829 | +344.2% |
Best year of the journey: Year 15 (+46% market move) · Toughest year: Year 2 (-19.2%)
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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 Nippon India Consumption Fund-Growth Plan's published NAV (source: AMFI) between 18 Aug 2006 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.