₹1,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 20 Years
If you had started a ₹1,000/month SIP on 28 Sept 2006 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Pharma Fund-Growth Plan's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹19,22,192
28 Sept 2026
Absolute gain
+₹16,81,192
+697.6%
XIRR (annualised)
17.88%
money-weighted
The journey, month by month
Worst fall on the way
-30.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
14
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,73,034
Modelled at historical FD rates. The fund beat FD by ₹13,49,158.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2007) | ₹13,000 | ₹15,289 | +17.6% |
| Year 2 (29 Sept 2008) | ₹25,000 | ₹24,360 | -2.6% |
| Year 3 (29 Sept 2009) | ₹37,000 | ₹59,391 | +60.5% |
| Year 4 (28 Sept 2010) | ₹49,000 | ₹1,03,813 | +111.9% |
| Year 5 (28 Sept 2011) | ₹61,000 | ₹1,16,376 | +90.8% |
| Year 6 (28 Sept 2012) | ₹73,000 | ₹1,54,018 | +111% |
| Year 7 (30 Sept 2013) | ₹85,000 | ₹1,85,357 | +118.1% |
| Year 8 (29 Sept 2014) | ₹97,000 | ₹3,23,589 | +233.6% |
| Year 9 (28 Sept 2015) | ₹1,09,000 | ₹4,25,696 | +290.5% |
| Year 10 (28 Sept 2016) | ₹1,21,000 | ₹4,20,511 | +247.5% |
| Year 11 (28 Sept 2017) | ₹1,33,000 | ₹3,75,741 | +182.5% |
| Year 12 (28 Sept 2018) | ₹1,45,000 | ₹4,78,812 | +230.2% |
| Year 13 (30 Sept 2019) | ₹1,57,000 | ₹4,35,804 | +177.6% |
| Year 14 (28 Sept 2020) | ₹1,69,000 | ₹7,18,018 | +324.9% |
| Year 15 (28 Sept 2021) | ₹1,81,000 | ₹9,85,817 | +444.7% |
| Year 16 (28 Sept 2022) | ₹1,93,000 | ₹9,00,941 | +366.8% |
| Year 17 (29 Sept 2023) | ₹2,05,000 | ₹11,65,702 | +468.6% |
| Year 18 (30 Sept 2024) | ₹2,17,000 | ₹17,44,574 | +704% |
| Year 19 (29 Sept 2025) | ₹2,29,000 | ₹16,72,553 | +630.4% |
| Year 20 (28 Sept 2026) | ₹2,41,000 | ₹19,22,192 | +697.6% |
Best year of the journey: Year 8 (+64% market move) · Toughest year: Year 11 (-13.1%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Nippon India Pharma Fund-Growth Plan's published NAV (source: AMFI) between 28 Sept 2006 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.