₹25,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 10 Years
If you had started a ₹25,000/month SIP on 30 Sept 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
₹30,25,000
121 installments
Value today
₹75,52,613
30 Sept 2026
Absolute gain
+₹45,27,613
+149.7%
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
₹42,17,608
Modelled at historical FD rates. The fund beat FD by ₹33,35,005.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,50,000 | ₹3,35,598 | -4.1% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹7,46,207 | +14.8% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹9,21,062 | -0.4% |
| Year 4 (30 Sept 2020) | ₹12,25,000 | ₹18,89,713 | +54.3% |
| Year 5 (30 Sept 2021) | ₹15,25,000 | ₹29,30,006 | +92.1% |
| Year 6 (30 Sept 2022) | ₹18,25,000 | ₹29,83,558 | +63.5% |
| Year 7 (3 Oct 2023) | ₹21,50,000 | ₹40,97,409 | +90.6% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹64,40,971 | +165.6% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹64,06,253 | +135.1% |
| Year 10 (30 Sept 2026) | ₹30,25,000 | ₹75,52,613 | +149.7% |
Best year of the journey: Year 4 (+54.8% market move) · Toughest year: Year 3 (-9.8%)
Wealth Time Machine
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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 30 Sept 2016 and 30 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.