₹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 26 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
₹6,05,000
121 installments
Value today
₹12,60,452
25 Sept 2026
Absolute gain
+₹6,55,452
+108.3%
XIRR (annualised)
13.98%
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
₹8,42,729
Modelled at historical FD rates. The fund beat FD by ₹4,17,723.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹65,000 | ₹66,577 | +2.4% |
| Year 2 (25 Sept 2018) | ₹1,25,000 | ₹1,87,907 | +50.3% |
| Year 3 (25 Sept 2019) | ₹1,85,000 | ₹2,43,011 | +31.4% |
| Year 4 (25 Sept 2020) | ₹2,45,000 | ₹3,94,603 | +61.1% |
| Year 5 (27 Sept 2021) | ₹3,05,000 | ₹8,90,397 | +191.9% |
| Year 6 (26 Sept 2022) | ₹3,65,000 | ₹7,62,783 | +109% |
| Year 7 (25 Sept 2023) | ₹4,25,000 | ₹10,24,351 | +141% |
| Year 8 (25 Sept 2024) | ₹4,85,000 | ₹15,61,191 | +221.9% |
| Year 9 (25 Sept 2025) | ₹5,45,000 | ₹14,35,534 | +163.4% |
| Year 10 (25 Sept 2026) | ₹5,95,000 | ₹12,49,922 | +110.1% |
Best year of the journey: Year 5 (+95.9% market move) · Toughest year: Year 6 (-19.7%)
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 26 Sept 2016 and 25 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.