₹10,000 Monthly SIP in NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - QUARTERLY for 5 Years
If you had started a ₹10,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA INDEX FUND - BSE SENSEX PLAN - QUARTERLY's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,43,178
1 Oct 2026
Absolute gain
+₹33,178
+5.4%
XIRR (annualised)
2.13%
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
₹7,15,422
Modelled at historical FD rates. The fund trailed FD by ₹72,244.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹1,30,000 | ₹1,26,814 | -2.5% |
| Year 2 (3 Oct 2023) | ₹2,50,000 | ₹2,73,512 | +9.4% |
| Year 3 (1 Oct 2024) | ₹3,70,000 | ₹4,89,907 | +32.4% |
| Year 4 (1 Oct 2025) | ₹4,90,000 | ₹5,97,488 | +21.9% |
| Year 5 (1 Oct 2026) | ₹5,90,000 | ₹6,24,452 | +5.8% |
Best year of the journey: Year 3 (+24.5% market move) · Toughest year: Year 5 (-10.5%)
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 - QUARTERLY's published NAV (source: AMFI) between 1 Oct 2021 and 1 Oct 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.