₹5,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 20 Years
If you had started a ₹5,000/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 241 installments.
You invested
₹12,05,000
241 installments
Value today
₹93,01,925
1 Oct 2026
Absolute gain
+₹80,96,925
+671.9%
XIRR (annualised)
17.72%
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
₹28,50,663
Modelled at historical FD rates. The fund beat FD by ₹64,51,262.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹65,000 | ₹76,488 | +17.7% |
| Year 2 (1 Oct 2008) | ₹1,25,000 | ₹1,22,941 | -1.6% |
| Year 3 (1 Oct 2009) | ₹1,85,000 | ₹2,91,283 | +57.5% |
| Year 4 (1 Oct 2010) | ₹2,45,000 | ₹5,16,333 | +110.7% |
| Year 5 (3 Oct 2011) | ₹3,05,000 | ₹5,69,326 | +86.7% |
| Year 6 (1 Oct 2012) | ₹3,65,000 | ₹7,60,059 | +108.2% |
| Year 7 (1 Oct 2013) | ₹4,25,000 | ₹9,15,853 | +115.5% |
| Year 8 (1 Oct 2014) | ₹4,85,000 | ₹15,97,161 | +229.3% |
| Year 9 (1 Oct 2015) | ₹5,45,000 | ₹21,10,027 | +287.2% |
| Year 10 (3 Oct 2016) | ₹6,05,000 | ₹20,52,073 | +239.2% |
| Year 11 (3 Oct 2017) | ₹6,65,000 | ₹18,63,086 | +180.2% |
| Year 12 (1 Oct 2018) | ₹7,25,000 | ₹23,62,009 | +225.8% |
| Year 13 (1 Oct 2019) | ₹7,85,000 | ₹21,30,328 | +171.4% |
| Year 14 (1 Oct 2020) | ₹8,45,000 | ₹35,50,061 | +320.1% |
| Year 15 (1 Oct 2021) | ₹9,05,000 | ₹49,18,828 | +443.5% |
| Year 16 (3 Oct 2022) | ₹9,65,000 | ₹45,87,540 | +375.4% |
| Year 17 (3 Oct 2023) | ₹10,25,000 | ₹57,20,454 | +458.1% |
| Year 18 (1 Oct 2024) | ₹10,85,000 | ₹85,81,253 | +690.9% |
| Year 19 (1 Oct 2025) | ₹11,45,000 | ₹82,94,341 | +624.4% |
| Year 20 (1 Oct 2026) | ₹12,05,000 | ₹93,01,925 | +671.9% |
Best year of the journey: Year 8 (+63.7% market move) · Toughest year: Year 13 (-12%)
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 3 Oct 2006 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.