₹10,000 Monthly SIP in NIPPON INDIA CONSUMPTION FUND for 3 Years
If you had started a ₹10,000/month SIP on 25 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA CONSUMPTION FUND's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,91,943
23 Sept 2026
Absolute gain
+₹21,943
+5.9%
XIRR (annualised)
3.73%
money-weighted
The journey, month by month
Worst fall on the way
-11.4%
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
₹4,12,425
Modelled at historical FD rates. The fund trailed FD by ₹20,482.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2024) | ₹1,30,000 | ₹1,71,043 | +31.6% |
| Year 2 (23 Sept 2025) | ₹2,50,000 | ₹2,88,030 | +15.2% |
| Year 3 (23 Sept 2026) | ₹3,70,000 | ₹3,91,943 | +5.9% |
Best year of the journey: Year 1 (+31.6% market move) · Toughest year: Year 3 (-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.
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 NIPPON INDIA CONSUMPTION FUND's published NAV (source: AMFI) between 25 Sept 2023 and 23 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.