₹25,000 Monthly SIP in TATA Digital India Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option for 10 Years
If you had started a ₹25,000/month SIP on 21 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using TATA Digital India Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹65,11,857
21 Sept 2026
Absolute gain
+₹34,86,857
+115.3%
XIRR (annualised)
14.61%
money-weighted
The journey, month by month
Worst fall on the way
-31.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,10,805
Modelled at historical FD rates. The fund beat FD by ₹23,01,052.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2017) | ₹3,25,000 | ₹3,40,870 | +4.9% |
| Year 2 (21 Sept 2018) | ₹6,25,000 | ₹9,25,468 | +48.1% |
| Year 3 (23 Sept 2019) | ₹9,25,000 | ₹11,94,616 | +29.1% |
| Year 4 (21 Sept 2020) | ₹12,25,000 | ₹19,64,567 | +60.4% |
| Year 5 (21 Sept 2021) | ₹15,25,000 | ₹44,18,857 | +189.8% |
| Year 6 (21 Sept 2022) | ₹18,25,000 | ₹38,56,311 | +111.3% |
| Year 7 (21 Sept 2023) | ₹21,25,000 | ₹51,45,495 | +142.1% |
| Year 8 (23 Sept 2024) | ₹24,25,000 | ₹78,39,991 | +223.3% |
| Year 9 (22 Sept 2025) | ₹27,25,000 | ₹73,58,577 | +170% |
| Year 10 (21 Sept 2026) | ₹29,75,000 | ₹64,57,447 | +117.1% |
Best year of the journey: Year 5 (+95.1% market move) · Toughest year: Year 6 (-18.3%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using TATA Digital India Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 21 Sept 2016 and 21 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.