₹25,000 Monthly SIP in PGIM India Flexi Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 1 Sept 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
₹30,25,000
121 installments
Value today
₹66,84,451
1 Sept 2026
Absolute gain
+₹36,59,451
+121%
XIRR (annualised)
15.24%
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
₹41,96,966
Modelled at historical FD rates. The fund beat FD by ₹24,87,485.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹3,25,000 | ₹3,67,890 | +13.2% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹7,06,629 | +13.1% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,42,256 | +1.9% |
| Year 4 (1 Sept 2020) | ₹12,25,000 | ₹15,26,459 | +24.6% |
| Year 5 (1 Sept 2021) | ₹15,25,000 | ₹30,74,815 | +101.6% |
| Year 6 (1 Sept 2022) | ₹18,25,000 | ₹33,65,126 | +84.4% |
| Year 7 (1 Sept 2023) | ₹21,25,000 | ₹40,76,708 | +91.8% |
| Year 8 (2 Sept 2024) | ₹24,25,000 | ₹56,84,895 | +134.4% |
| Year 9 (1 Sept 2025) | ₹27,25,000 | ₹61,07,288 | +124.1% |
| Year 10 (1 Sept 2026) | ₹30,25,000 | ₹66,84,451 | +121% |
Best year of the journey: Year 5 (+68.3% market move) · Toughest year: Year 3 (-6.4%)
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 1 Sept 2016 and 1 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.