₹2,000 Monthly SIP in PGIM India Flexi Cap Fund for 10 Years
If you had started a ₹2,000/month SIP on 4 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using PGIM India Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹5,31,638
3 Jul 2026
Absolute gain
+₹2,89,638
+119.7%
XIRR (annualised)
15.12%
money-weighted
The journey, month by month
Worst fall on the way
-35.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,200
Modelled at historical FD rates. The fund beat FD by ₹1,95,438.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹26,000 | ₹29,498 | +13.5% |
| Year 2 (3 Jul 2018) | ₹50,000 | ₹55,257 | +10.5% |
| Year 3 (3 Jul 2019) | ₹74,000 | ₹85,005 | +14.9% |
| Year 4 (3 Jul 2020) | ₹98,000 | ₹1,11,277 | +13.5% |
| Year 5 (5 Jul 2021) | ₹1,22,000 | ₹2,29,239 | +87.9% |
| Year 6 (4 Jul 2022) | ₹1,46,000 | ₹2,44,662 | +67.6% |
| Year 7 (3 Jul 2023) | ₹1,70,000 | ₹3,28,133 | +93% |
| Year 8 (3 Jul 2024) | ₹1,94,000 | ₹4,46,213 | +130% |
| Year 9 (3 Jul 2025) | ₹2,18,000 | ₹5,03,722 | +131.1% |
| Year 10 (3 Jul 2026) | ₹2,42,000 | ₹5,31,638 | +119.7% |
Best year of the journey: Year 5 (+69.5% market move) · Toughest year: Year 6 (-3.4%)
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 PGIM India Flexi Cap Fund's published NAV (source: AMFI) between 4 Jul 2016 and 3 Jul 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.