₹25,000 Monthly SIP in NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - HALF YEARLY for 5 Years
If you had started a ₹25,000/month SIP on 23 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
₹15,25,000
61 installments
Value today
₹16,78,259
23 Sept 2026
Absolute gain
+₹1,53,259
+10%
XIRR (annualised)
3.76%
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
₹17,93,598
Modelled at historical FD rates. The fund trailed FD by ₹1,15,339.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Sept 2022) | ₹3,25,000 | ₹3,22,224 | -0.9% |
| Year 2 (25 Sept 2023) | ₹6,25,000 | ₹6,90,831 | +10.5% |
| Year 3 (23 Sept 2024) | ₹9,25,000 | ₹12,44,029 | +34.5% |
| Year 4 (23 Sept 2025) | ₹12,25,000 | ₹15,22,880 | +24.3% |
| Year 5 (23 Sept 2026) | ₹14,75,000 | ₹16,29,536 | +10.5% |
Best year of the journey: Year 3 (+25.6% market move) · Toughest year: Year 5 (-8.1%)
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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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 23 Sept 2021 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.