₹10,000 Monthly SIP in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME for 10 Years
If you had started a ₹10,000/month SIP on 19 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹17,39,352
18 Sept 2026
Absolute gain
+₹5,29,352
+43.7%
XIRR (annualised)
7.04%
money-weighted
The journey, month by month
Worst fall on the way
-6.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,83,579
Modelled at historical FD rates. The fund beat FD by ₹55,773.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹1,30,000 | ₹1,38,373 | +6.4% |
| Year 2 (18 Sept 2018) | ₹2,50,000 | ₹2,53,654 | +1.5% |
| Year 3 (18 Sept 2019) | ₹3,70,000 | ₹4,13,787 | +11.8% |
| Year 4 (18 Sept 2020) | ₹4,90,000 | ₹5,73,014 | +16.9% |
| Year 5 (20 Sept 2021) | ₹6,10,000 | ₹7,72,226 | +26.6% |
| Year 6 (19 Sept 2022) | ₹7,30,000 | ₹9,08,428 | +24.4% |
| Year 7 (18 Sept 2023) | ₹8,50,000 | ₹11,29,194 | +32.8% |
| Year 8 (19 Sept 2024) | ₹9,70,000 | ₹14,34,756 | +47.9% |
| Year 9 (18 Sept 2025) | ₹10,90,000 | ₹16,12,626 | +47.9% |
| Year 10 (18 Sept 2026) | ₹12,10,000 | ₹17,39,352 | +43.7% |
Best year of the journey: Year 8 (+14.9% market move) · Toughest year: Year 2 (-1.8%)
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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Same SIP in other Retirement funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME's published NAV (source: AMFI) between 19 Sept 2016 and 18 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.