₹5,000 Monthly SIP in Tata Ethical Fund for 10 Years
If you had started a ₹5,000/month SIP on 4 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using Tata Ethical Fund's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹10,98,154
3 Jul 2026
Absolute gain
+₹4,93,154
+81.5%
XIRR (annualised)
11.54%
money-weighted
The journey, month by month
Worst fall on the way
-28%
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
₹8,40,501
Modelled at historical FD rates. The fund beat FD by ₹2,57,653.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹65,000 | ₹68,909 | +6% |
| Year 2 (3 Jul 2018) | ₹1,25,000 | ₹1,36,532 | +9.2% |
| Year 3 (3 Jul 2019) | ₹1,85,000 | ₹1,99,730 | +8% |
| Year 4 (3 Jul 2020) | ₹2,45,000 | ₹2,63,151 | +7.4% |
| Year 5 (5 Jul 2021) | ₹3,05,000 | ₹5,07,992 | +66.6% |
| Year 6 (4 Jul 2022) | ₹3,65,000 | ₹5,76,079 | +57.8% |
| Year 7 (3 Jul 2023) | ₹4,25,000 | ₹7,59,276 | +78.7% |
| Year 8 (3 Jul 2024) | ₹4,85,000 | ₹11,00,518 | +126.9% |
| Year 9 (3 Jul 2025) | ₹5,45,000 | ₹11,16,978 | +105% |
| Year 10 (3 Jul 2026) | ₹6,05,000 | ₹10,98,154 | +81.5% |
Best year of the journey: Year 5 (+57.2% market move) · Toughest year: Year 10 (-6.7%)
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 Ethical Fund's published NAV (source: AMFI) between 4 Jul 2016 and 3 Jul 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.