₹25,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 20 Years
If you had started a ₹25,000/month SIP on 3 Oct 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 240 installments.
You invested
₹60,00,000
240 installments
Value today
₹4,66,19,542
30 Sept 2026
Absolute gain
+₹4,06,19,542
+677%
XIRR (annualised)
17.74%
money-weighted
The journey, month by month
Worst fall on the way
-30.3%
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
₹1,42,25,422
Modelled at historical FD rates. The fund beat FD by ₹3,23,94,120.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹3,25,000 | ₹3,82,442 | +17.7% |
| Year 2 (30 Sept 2008) | ₹6,00,000 | ₹5,85,075 | -2.5% |
| Year 3 (30 Sept 2009) | ₹9,00,000 | ₹14,49,346 | +61% |
| Year 4 (30 Sept 2010) | ₹12,00,000 | ₹25,34,858 | +111.2% |
| Year 5 (30 Sept 2011) | ₹15,00,000 | ₹28,32,905 | +88.9% |
| Year 6 (1 Oct 2012) | ₹18,25,000 | ₹38,00,296 | +108.2% |
| Year 7 (30 Sept 2013) | ₹21,00,000 | ₹45,38,050 | +116.1% |
| Year 8 (30 Sept 2014) | ₹24,00,000 | ₹79,65,684 | +231.9% |
| Year 9 (30 Sept 2015) | ₹27,00,000 | ₹1,04,23,840 | +286.1% |
| Year 10 (30 Sept 2016) | ₹30,00,000 | ₹1,01,09,582 | +237% |
| Year 11 (3 Oct 2017) | ₹33,25,000 | ₹93,15,432 | +180.2% |
| Year 12 (1 Oct 2018) | ₹36,25,000 | ₹1,18,10,043 | +225.8% |
| Year 13 (30 Sept 2019) | ₹39,00,000 | ₹1,07,11,016 | +174.6% |
| Year 14 (30 Sept 2020) | ₹42,00,000 | ₹1,76,24,101 | +319.6% |
| Year 15 (30 Sept 2021) | ₹45,00,000 | ₹2,43,95,229 | +442.1% |
| Year 16 (30 Sept 2022) | ₹48,00,000 | ₹2,26,73,524 | +372.4% |
| Year 17 (3 Oct 2023) | ₹51,25,000 | ₹2,86,02,268 | +458.1% |
| Year 18 (30 Sept 2024) | ₹54,00,000 | ₹4,29,28,225 | +695% |
| Year 19 (30 Sept 2025) | ₹57,00,000 | ₹4,10,16,746 | +619.6% |
| Year 20 (30 Sept 2026) | ₹60,00,000 | ₹4,66,19,542 | +677% |
Best year of the journey: Year 8 (+64.6% market move) · Toughest year: Year 13 (-11.4%)
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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 3 Oct 2006 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.