₹10,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 20 Years
If you had started a ₹10,000/month SIP on 18 Aug 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
₹1,96,52,513
18 Aug 2026
Absolute gain
+₹1,72,42,513
+715.5%
XIRR (annualised)
18.1%
money-weighted
The journey, month by month
Worst fall on the way
-30.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
13
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹57,15,534
Modelled at historical FD rates. The fund beat FD by ₹1,39,36,979.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹1,30,000 | ₹1,52,911 | +17.6% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,70,076 | +8% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹5,05,403 | +36.6% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹10,27,143 | +109.6% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹11,76,016 | +92.8% |
| Year 6 (21 Aug 2012) | ₹7,30,000 | ₹15,02,091 | +105.8% |
| Year 7 (19 Aug 2013) | ₹8,50,000 | ₹17,88,176 | +110.4% |
| Year 8 (18 Aug 2014) | ₹9,70,000 | ₹28,35,133 | +192.3% |
| Year 9 (18 Aug 2015) | ₹10,90,000 | ₹42,16,317 | +286.8% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹40,71,078 | +236.5% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹36,19,806 | +172.2% |
| Year 12 (20 Aug 2018) | ₹14,50,000 | ₹47,67,952 | +228.8% |
| Year 13 (19 Aug 2019) | ₹15,70,000 | ₹43,61,851 | +177.8% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹71,78,400 | +324.8% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹1,01,23,379 | +459.3% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹92,89,582 | +381.3% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹1,16,59,865 | +468.8% |
| Year 18 (19 Aug 2024) | ₹21,70,000 | ₹1,68,97,374 | +678.7% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹1,78,21,502 | +678.2% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹1,96,52,513 | +715.5% |
Best year of the journey: Year 4 (+64.2% market move) · Toughest year: Year 11 (-13.6%)
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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 18 Aug 2006 and 18 Aug 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.