₹2,000 Monthly SIP in NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME for 10 Years
If you had started a ₹2,000/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
₹2,42,000
121 installments
Value today
₹3,47,870
18 Sept 2026
Absolute gain
+₹1,05,870
+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
₹3,36,716
Modelled at historical FD rates. The fund beat FD by ₹11,154.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹26,000 | ₹27,675 | +6.4% |
| Year 2 (18 Sept 2018) | ₹50,000 | ₹50,731 | +1.5% |
| Year 3 (18 Sept 2019) | ₹74,000 | ₹82,757 | +11.8% |
| Year 4 (18 Sept 2020) | ₹98,000 | ₹1,14,603 | +16.9% |
| Year 5 (20 Sept 2021) | ₹1,22,000 | ₹1,54,445 | +26.6% |
| Year 6 (19 Sept 2022) | ₹1,46,000 | ₹1,81,686 | +24.4% |
| Year 7 (18 Sept 2023) | ₹1,70,000 | ₹2,25,839 | +32.8% |
| Year 8 (19 Sept 2024) | ₹1,94,000 | ₹2,86,951 | +47.9% |
| Year 9 (18 Sept 2025) | ₹2,18,000 | ₹3,22,525 | +47.9% |
| Year 10 (18 Sept 2026) | ₹2,42,000 | ₹3,47,870 | +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.