₹25,000 Monthly SIP in NJ Balanced Advantage Fund for 5 Years
If you had started a ₹25,000/month SIP on 29 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using NJ Balanced Advantage Fund's actual NAV for all 59 installments.
You invested
₹14,75,000
59 installments
Value today
₹18,18,434
18 Aug 2026
Absolute gain
+₹3,43,434
+23.3%
XIRR (annualised)
8.58%
money-weighted
The journey, month by month
Worst fall on the way
-6.4%
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
₹17,25,297
Modelled at historical FD rates. The fund beat FD by ₹93,137.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹2,75,000 | ₹2,81,327 | +2.3% |
| Year 2 (18 Aug 2023) | ₹5,75,000 | ₹6,35,760 | +10.6% |
| Year 3 (19 Aug 2024) | ₹8,75,000 | ₹12,08,879 | +38.2% |
| Year 4 (18 Aug 2025) | ₹11,75,000 | ₹14,76,630 | +25.7% |
| Year 5 (18 Aug 2026) | ₹14,75,000 | ₹18,18,434 | +23.3% |
Best year of the journey: Year 3 (+29.2% market move) · Toughest year: Year 4 (-2.1%)
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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Same SIP in other Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using NJ Balanced Advantage Fund's published NAV (source: AMFI) between 29 Oct 2021 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.