₹5,000 Monthly SIP in Nippon India Pharma Fund-Growth Plan for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹98,26,256
18 Aug 2026
Absolute gain
+₹86,21,256
+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
₹28,57,767
Modelled at historical FD rates. The fund beat FD by ₹69,68,489.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹65,000 | ₹76,456 | +17.6% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,35,038 | +8% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹2,52,702 | +36.6% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹5,13,571 | +109.6% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹5,88,008 | +92.8% |
| Year 6 (21 Aug 2012) | ₹3,65,000 | ₹7,51,045 | +105.8% |
| Year 7 (19 Aug 2013) | ₹4,25,000 | ₹8,94,088 | +110.4% |
| Year 8 (18 Aug 2014) | ₹4,85,000 | ₹14,17,566 | +192.3% |
| Year 9 (18 Aug 2015) | ₹5,45,000 | ₹21,08,159 | +286.8% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹20,35,539 | +236.5% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹18,09,903 | +172.2% |
| Year 12 (20 Aug 2018) | ₹7,25,000 | ₹23,83,976 | +228.8% |
| Year 13 (19 Aug 2019) | ₹7,85,000 | ₹21,80,926 | +177.8% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹35,89,200 | +324.8% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹50,61,690 | +459.3% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹46,44,791 | +381.3% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹58,29,933 | +468.8% |
| Year 18 (19 Aug 2024) | ₹10,85,000 | ₹84,48,687 | +678.7% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹89,10,751 | +678.2% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹98,26,256 | +715.5% |
Best year of the journey: Year 4 (+64.2% market move) · Toughest year: Year 11 (-13.6%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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.