₹10,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 10 Years
If you had started a ₹10,000/month SIP on 3 Oct 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹29,83,675
1 Oct 2026
Absolute gain
+₹17,73,675
+146.6%
XIRR (annualised)
17.29%
money-weighted
The journey, month by month
Worst fall on the way
-19.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,77,659
Modelled at historical FD rates. The fund beat FD by ₹13,06,016.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹1,30,000 | ₹1,25,335 | -3.6% |
| Year 2 (1 Oct 2018) | ₹2,50,000 | ₹2,87,512 | +15% |
| Year 3 (1 Oct 2019) | ₹3,70,000 | ₹3,65,891 | -1.1% |
| Year 4 (1 Oct 2020) | ₹4,90,000 | ₹7,54,534 | +54% |
| Year 5 (1 Oct 2021) | ₹6,10,000 | ₹11,68,921 | +91.6% |
| Year 6 (3 Oct 2022) | ₹7,30,000 | ₹11,96,282 | +63.9% |
| Year 7 (3 Oct 2023) | ₹8,50,000 | ₹16,14,664 | +90% |
| Year 8 (1 Oct 2024) | ₹9,70,000 | ₹25,47,428 | +162.6% |
| Year 9 (1 Oct 2025) | ₹10,90,000 | ₹25,64,683 | +135.3% |
| Year 10 (1 Oct 2026) | ₹12,10,000 | ₹29,83,675 | +146.6% |
Best year of the journey: Year 4 (+55.3% market move) · Toughest year: Year 3 (-10.2%)
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
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 3 Oct 2016 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.