₹10,000 Monthly SIP in Tata Housing Opportunities Fund for 3 Years
If you had started a ₹10,000/month SIP on 3 Jul 2023 and never stopped — through every crash and rally — here is exactly what happened, using Tata Housing Opportunities Fund's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,01,028
3 Jul 2026
Absolute gain
+₹31,028
+8.4%
XIRR (annualised)
5.43%
money-weighted
The journey, month by month
Worst fall on the way
-14.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,10,877
Modelled at historical FD rates. The fund trailed FD by ₹9,849.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2024) | ₹1,30,000 | ₹1,62,234 | +24.8% |
| Year 2 (3 Jul 2025) | ₹2,50,000 | ₹2,78,408 | +11.4% |
| Year 3 (3 Jul 2026) | ₹3,70,000 | ₹4,01,028 | +8.4% |
Best year of the journey: Year 1 (+24.8% market move) · Toughest year: Year 2 (-1.4%)
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 Housing Opportunities Fund's published NAV (source: AMFI) between 3 Jul 2023 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.