₹5,000 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 ₹5,000/month SIP on 6 Oct 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
₹6,05,000
121 installments
Value today
₹12,33,628
6 Oct 2026
Absolute gain
+₹6,28,628
+103.9%
XIRR (annualised)
13.71%
money-weighted
The journey, month by month
Worst fall on the way
-31%
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
₹8,39,465
Modelled at historical FD rates. The fund beat FD by ₹3,94,163.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹65,000 | ₹68,005 | +4.6% |
| Year 2 (8 Oct 2018) | ₹1,25,000 | ₹1,74,563 | +39.7% |
| Year 3 (7 Oct 2019) | ₹1,85,000 | ₹2,39,757 | +29.6% |
| Year 4 (6 Oct 2020) | ₹2,45,000 | ₹4,09,573 | +67.2% |
| Year 5 (6 Oct 2021) | ₹3,05,000 | ₹8,63,089 | +183% |
| Year 6 (6 Oct 2022) | ₹3,65,000 | ₹7,80,754 | +113.9% |
| Year 7 (6 Oct 2023) | ₹4,25,000 | ₹10,03,007 | +136% |
| Year 8 (7 Oct 2024) | ₹4,85,000 | ₹15,11,431 | +211.6% |
| Year 9 (6 Oct 2025) | ₹5,45,000 | ₹14,10,799 | +158.9% |
| Year 10 (6 Oct 2026) | ₹5,95,000 | ₹12,23,167 | +105.6% |
Best year of the journey: Year 5 (+83.8% market move) · Toughest year: Year 10 (-16.3%)
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 Digital India Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 6 Oct 2016 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.