₹5,000 Monthly SIP in NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - HALF YEARLY for 5 Years
If you had started a ₹5,000/month SIP on 28 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
₹3,05,000
61 installments
Value today
₹3,26,426
28 Sept 2026
Absolute gain
+₹21,426
+7%
XIRR (annualised)
2.65%
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
₹3,59,029
Modelled at historical FD rates. The fund trailed FD by ₹32,603.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2022) | ₹65,000 | ₹62,793 | -3.4% |
| Year 2 (29 Sept 2023) | ₹1,25,000 | ₹1,37,770 | +10.2% |
| Year 3 (30 Sept 2024) | ₹1,85,000 | ₹2,46,970 | +33.5% |
| Year 4 (30 Sept 2025) | ₹2,45,000 | ₹2,97,772 | +21.5% |
| Year 5 (28 Sept 2026) | ₹2,95,000 | ₹3,16,950 | +7.4% |
Best year of the journey: Year 3 (+24.9% market move) · Toughest year: Year 5 (-8.9%)
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 28 Sept 2021 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.