₹1,000 Monthly SIP in TATA India Consumer Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option for 10 Years
If you had started a ₹1,000/month SIP on 19 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using TATA India Consumer Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,71,389
18 Sept 2026
Absolute gain
+₹1,50,389
+124.3%
XIRR (annualised)
15.4%
money-weighted
The journey, month by month
Worst fall on the way
-29.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,346
Modelled at historical FD rates. The fund beat FD by ₹1,03,043.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹13,000 | ₹17,048 | +31.1% |
| Year 2 (18 Sept 2018) | ₹25,000 | ₹32,172 | +28.7% |
| Year 3 (18 Sept 2019) | ₹37,000 | ₹40,451 | +9.3% |
| Year 4 (18 Sept 2020) | ₹49,000 | ₹59,460 | +21.3% |
| Year 5 (20 Sept 2021) | ₹61,000 | ₹1,03,477 | +69.6% |
| Year 6 (19 Sept 2022) | ₹73,000 | ₹1,22,974 | +68.5% |
| Year 7 (18 Sept 2023) | ₹85,000 | ₹1,59,284 | +87.4% |
| Year 8 (18 Sept 2024) | ₹97,000 | ₹2,53,003 | +160.8% |
| Year 9 (18 Sept 2025) | ₹1,09,000 | ₹2,60,767 | +139.2% |
| Year 10 (18 Sept 2026) | ₹1,19,000 | ₹2,69,348 | +126.3% |
Best year of the journey: Year 8 (+47.7% market move) · Toughest year: Year 3 (-8.4%)
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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 India Consumer Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 19 Sept 2016 and 18 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.