₹25,000 Monthly SIP in NIPPON INDIA PHARMA FUND for 5 Years
If you had started a ₹25,000/month SIP on 2 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
₹15,25,000
61 installments
Value today
₹23,85,843
2 Sept 2026
Absolute gain
+₹8,60,843
+56.4%
XIRR (annualised)
18.17%
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
₹17,87,501
Modelled at historical FD rates. The fund beat FD by ₹5,98,342.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2022) | ₹3,25,000 | ₹3,10,614 | -4.4% |
| Year 2 (4 Sept 2023) | ₹6,25,000 | ₹7,47,923 | +19.7% |
| Year 3 (2 Sept 2024) | ₹9,25,000 | ₹15,02,550 | +62.4% |
| Year 4 (2 Sept 2025) | ₹12,25,000 | ₹18,00,466 | +47% |
| Year 5 (2 Sept 2026) | ₹15,25,000 | ₹23,85,843 | +56.4% |
Best year of the journey: Year 3 (+43.4% market move) · Toughest year: Year 1 (-4.4%)
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 2 Sept 2021 and 2 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.