₹25,000 Monthly SIP in TATA Digital India Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option for 5 Years
If you had started a ₹25,000/month SIP on 6 Oct 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹15,23,872
6 Oct 2026
Absolute gain
₹-1,128
-0.1%
XIRR (annualised)
-0.03%
money-weighted
The journey, month by month
Worst fall on the way
-22.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,90,103
Modelled at historical FD rates. The fund trailed FD by ₹2,66,231.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹3,25,000 | ₹2,93,145 | -9.8% |
| Year 2 (6 Oct 2023) | ₹6,25,000 | ₹6,85,543 | +9.7% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹13,44,261 | +45.3% |
| Year 4 (6 Oct 2025) | ₹12,25,000 | ₹14,92,330 | +21.8% |
| Year 5 (6 Oct 2026) | ₹14,75,000 | ₹14,71,569 | -0.2% |
Best year of the journey: Year 3 (+36.4% market move) · Toughest year: Year 5 (-15.5%)
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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 Digital India Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 6 Oct 2021 and 6 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.