₹10,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 15 Years
If you had started a ₹10,000/month SIP on 3 Oct 2011 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 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹69,05,300
1 Oct 2026
Absolute gain
+₹50,95,300
+281.5%
XIRR (annualised)
16.29%
money-weighted
The journey, month by month
Worst fall on the way
-20.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
8
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹33,44,167
Modelled at historical FD rates. The fund beat FD by ₹35,61,133.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹1,30,000 | ₹1,49,415 | +14.9% |
| Year 2 (1 Oct 2013) | ₹2,50,000 | ₹2,95,012 | +18% |
| Year 3 (1 Oct 2014) | ₹3,70,000 | ₹6,49,247 | +75.5% |
| Year 4 (1 Oct 2015) | ₹4,90,000 | ₹9,68,147 | +97.6% |
| Year 5 (3 Oct 2016) | ₹6,10,000 | ₹10,37,882 | +70.1% |
| Year 6 (3 Oct 2017) | ₹7,30,000 | ₹10,29,367 | +41% |
| Year 7 (1 Oct 2018) | ₹8,50,000 | ₹14,01,347 | +64.9% |
| Year 8 (1 Oct 2019) | ₹9,70,000 | ₹13,43,716 | +38.5% |
| Year 9 (1 Oct 2020) | ₹10,90,000 | ₹23,47,667 | +115.4% |
| Year 10 (1 Oct 2021) | ₹12,10,000 | ₹33,45,306 | +176.5% |
| Year 11 (3 Oct 2022) | ₹13,30,000 | ₹31,99,451 | +140.6% |
| Year 12 (3 Oct 2023) | ₹14,50,000 | ₹40,81,656 | +181.5% |
| Year 13 (1 Oct 2024) | ₹15,70,000 | ₹62,16,711 | +296% |
| Year 14 (1 Oct 2025) | ₹16,90,000 | ₹60,85,569 | +260.1% |
| Year 15 (1 Oct 2026) | ₹18,10,000 | ₹69,05,300 | +281.5% |
Best year of the journey: Year 9 (+60.4% market move) · Toughest year: Year 8 (-11.7%)
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 3 Oct 2011 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.