₹10,000 Monthly SIP in NIPPON INDIA PHARMA FUND for 5 Years
If you had started a ₹10,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA PHARMA FUND's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹9,55,433
1 Sept 2026
Absolute gain
+₹3,45,433
+56.6%
XIRR (annualised)
18.24%
money-weighted
The journey, month by month
Worst fall on the way
-13.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,14,877
Modelled at historical FD rates. The fund beat FD by ₹2,40,556.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹1,30,000 | ₹1,24,621 | -4.1% |
| Year 2 (1 Sept 2023) | ₹2,50,000 | ₹2,99,108 | +19.6% |
| Year 3 (2 Sept 2024) | ₹3,70,000 | ₹6,01,075 | +62.5% |
| Year 4 (1 Sept 2025) | ₹4,90,000 | ₹7,21,269 | +47.2% |
| Year 5 (1 Sept 2026) | ₹6,10,000 | ₹9,55,433 | +56.6% |
Best year of the journey: Year 3 (+43.4% market move) · Toughest year: Year 1 (-4.1%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
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's published NAV (source: AMFI) between 1 Sept 2021 and 1 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.