₹10,000 Monthly SIP in NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - HALF YEARLY for 5 Years
If you had started a ₹10,000/month SIP on 20 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - HALF YEARLY's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,66,861
18 Sept 2026
Absolute gain
+₹56,861
+9.3%
XIRR (annualised)
3.52%
money-weighted
The journey, month by month
Worst fall on the way
-13.5%
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
₹7,16,817
Modelled at historical FD rates. The fund trailed FD by ₹49,956.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Sept 2022) | ₹1,30,000 | ₹1,31,442 | +1.1% |
| Year 2 (18 Sept 2023) | ₹2,50,000 | ₹2,83,201 | +13.3% |
| Year 3 (18 Sept 2024) | ₹3,70,000 | ₹4,86,390 | +31.5% |
| Year 4 (18 Sept 2025) | ₹4,90,000 | ₹6,16,291 | +25.8% |
| Year 5 (18 Sept 2026) | ₹5,90,000 | ₹6,47,510 | +9.7% |
Best year of the journey: Year 3 (+20.6% market move) · Toughest year: Year 5 (-9.6%)
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
Same SIP in other Index Funds / ETFs funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - HALF YEARLY's published NAV (source: AMFI) between 20 Sept 2021 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.