₹25,000 Monthly SIP in Tata Business Cycle Fund for 5 Years
If you had started a ₹25,000/month SIP on 7 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using Tata Business Cycle Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹19,65,490
7 Oct 2026
Absolute gain
+₹4,40,490
+28.9%
XIRR (annualised)
10.18%
money-weighted
The journey, month by month
Worst fall on the way
-13.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,90,800
Modelled at historical FD rates. The fund beat FD by ₹1,74,690.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹3,25,000 | ₹3,45,354 | +6.3% |
| Year 2 (9 Oct 2023) | ₹6,25,000 | ₹7,86,695 | +25.9% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹14,64,736 | +58.3% |
| Year 4 (7 Oct 2025) | ₹12,25,000 | ₹17,25,860 | +40.9% |
| Year 5 (7 Oct 2026) | ₹15,25,000 | ₹19,65,490 | +28.9% |
Best year of the journey: Year 3 (+34.8% market move) · Toughest year: Year 5 (-3%)
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 Tata Business Cycle Fund's published NAV (source: AMFI) between 7 Oct 2021 and 7 Oct 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.