₹25,000 Monthly SIP in NIPPON INDIA CONSUMPTION FUND for 3 Years
If you had started a ₹25,000/month SIP on 29 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
₹9,25,000
37 installments
Value today
₹9,50,343
28 Sept 2026
Absolute gain
+₹25,343
+2.7%
XIRR (annualised)
1.73%
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
₹10,31,991
Modelled at historical FD rates. The fund trailed FD by ₹81,648.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹3,25,000 | ₹4,23,422 | +30.3% |
| Year 2 (29 Sept 2025) | ₹6,25,000 | ₹7,04,973 | +12.8% |
| Year 3 (28 Sept 2026) | ₹9,25,000 | ₹9,50,343 | +2.7% |
Best year of the journey: Year 1 (+30.3% market move) · Toughest year: Year 3 (-5.4%)
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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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 29 Sept 2023 and 28 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.