₹5,000 Monthly SIP in NJ Balanced Advantage Fund for 5 Years
If you had started a ₹5,000/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 60 installments.
You invested
₹3,00,000
60 installments
Value today
₹3,60,686
25 Sept 2026
Absolute gain
+₹60,686
+20.2%
XIRR (annualised)
7.36%
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
₹3,52,391
Modelled at historical FD rates. The fund beat FD by ₹8,295.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2022) | ₹60,000 | ₹59,920 | -0.1% |
| Year 2 (25 Sept 2023) | ₹1,20,000 | ₹1,36,047 | +13.4% |
| Year 3 (25 Sept 2024) | ₹1,80,000 | ₹2,48,850 | +38.3% |
| Year 4 (25 Sept 2025) | ₹2,40,000 | ₹3,00,521 | +25.2% |
| Year 5 (25 Sept 2026) | ₹3,00,000 | ₹3,60,686 | +20.2% |
Best year of the journey: Year 3 (+26.9% market move) · Toughest year: Year 4 (-2.7%)
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 25 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.