₹5,000 Monthly SIP in Nippon India Focused Fund -Growth Plan for 20 Years
If you had started a ₹5,000/month SIP on 26 Dec 2006 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Focused Fund -Growth Plan's actual NAV for all 238 installments.
You invested
₹11,90,000
238 installments
Value today
₹59,74,229
18 Sept 2026
Absolute gain
+₹47,84,229
+402%
XIRR (annualised)
14.38%
money-weighted
The journey, month by month
Worst fall on the way
-40.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
13
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹27,95,821
Modelled at historical FD rates. The fund beat FD by ₹31,78,408.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2007) | ₹50,000 | ₹58,824 | +17.6% |
| Year 2 (18 Sept 2008) | ₹1,10,000 | ₹95,905 | -12.8% |
| Year 3 (18 Sept 2009) | ₹1,70,000 | ₹2,03,856 | +19.9% |
| Year 4 (20 Sept 2010) | ₹2,30,000 | ₹3,65,329 | +58.8% |
| Year 5 (19 Sept 2011) | ₹2,90,000 | ₹3,60,906 | +24.5% |
| Year 6 (18 Sept 2012) | ₹3,50,000 | ₹4,55,322 | +30.1% |
| Year 7 (18 Sept 2013) | ₹4,10,000 | ₹4,78,270 | +16.7% |
| Year 8 (18 Sept 2014) | ₹4,70,000 | ₹10,63,947 | +126.4% |
| Year 9 (18 Sept 2015) | ₹5,30,000 | ₹12,31,095 | +132.3% |
| Year 10 (19 Sept 2016) | ₹5,90,000 | ₹15,25,630 | +158.6% |
| Year 11 (18 Sept 2017) | ₹6,50,000 | ₹18,82,135 | +189.6% |
| Year 12 (18 Sept 2018) | ₹7,10,000 | ₹19,67,200 | +177.1% |
| Year 13 (18 Sept 2019) | ₹7,70,000 | ₹18,56,041 | +141% |
| Year 14 (18 Sept 2020) | ₹8,30,000 | ₹20,58,307 | +148% |
| Year 15 (20 Sept 2021) | ₹8,90,000 | ₹34,95,685 | +292.8% |
| Year 16 (19 Sept 2022) | ₹9,50,000 | ₹38,56,367 | +305.9% |
| Year 17 (18 Sept 2023) | ₹10,10,000 | ₹45,58,498 | +351.3% |
| Year 18 (18 Sept 2024) | ₹10,70,000 | ₹59,90,930 | +459.9% |
| Year 19 (18 Sept 2025) | ₹11,30,000 | ₹60,45,255 | +435% |
| Year 20 (18 Sept 2026) | ₹11,90,000 | ₹59,74,229 | +402% |
Best year of the journey: Year 8 (+97.7% market move) · Toughest year: Year 2 (-19.3%)
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 Focused Fund -Growth Plan's published NAV (source: AMFI) between 26 Dec 2006 and 18 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.