₹10,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 20 Years
If you had started a ₹10,000/month SIP on 29 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
₹24,10,000
241 installments
Value today
₹1,92,60,940
29 Sept 2026
Absolute gain
+₹1,68,50,940
+699.2%
XIRR (annualised)
17.89%
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
₹57,31,491
Modelled at historical FD rates. The fund beat FD by ₹1,35,29,449.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹1,40,000 | ₹1,66,210 | +18.7% |
| Year 2 (29 Sept 2008) | ₹2,50,000 | ₹2,43,376 | -2.6% |
| Year 3 (29 Sept 2009) | ₹3,70,000 | ₹5,93,549 | +60.4% |
| Year 4 (29 Sept 2010) | ₹4,90,000 | ₹10,37,023 | +111.6% |
| Year 5 (29 Sept 2011) | ₹6,10,000 | ₹11,67,629 | +91.4% |
| Year 6 (1 Oct 2012) | ₹7,40,000 | ₹15,53,778 | +110% |
| Year 7 (30 Sept 2013) | ₹8,50,000 | ₹18,52,821 | +118% |
| Year 8 (29 Sept 2014) | ₹9,70,000 | ₹32,34,645 | +233.5% |
| Year 9 (29 Sept 2015) | ₹10,90,000 | ₹42,04,320 | +285.7% |
| Year 10 (29 Sept 2016) | ₹12,10,000 | ₹41,03,856 | +239.2% |
| Year 11 (29 Sept 2017) | ₹13,30,000 | ₹37,85,630 | +184.6% |
| Year 12 (1 Oct 2018) | ₹14,60,000 | ₹48,05,610 | +229.2% |
| Year 13 (30 Sept 2019) | ₹15,70,000 | ₹43,56,604 | +177.5% |
| Year 14 (29 Sept 2020) | ₹16,90,000 | ₹71,33,955 | +322.1% |
| Year 15 (29 Sept 2021) | ₹18,10,000 | ₹98,88,316 | +446.3% |
| Year 16 (29 Sept 2022) | ₹19,30,000 | ₹91,41,153 | +373.6% |
| Year 17 (29 Sept 2023) | ₹20,50,000 | ₹1,16,53,405 | +468.5% |
| Year 18 (30 Sept 2024) | ₹21,70,000 | ₹1,74,40,373 | +703.7% |
| Year 19 (29 Sept 2025) | ₹22,90,000 | ₹1,67,20,423 | +630.1% |
| Year 20 (29 Sept 2026) | ₹24,10,000 | ₹1,92,60,940 | +699.2% |
Best year of the journey: Year 8 (+64% market move) · Toughest year: Year 2 (-11.9%)
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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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 29 Sept 2006 and 29 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.