₹2,000 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 ₹2,000/month SIP on 5 Oct 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
₹2,42,000
121 installments
Value today
₹5,15,599
5 Oct 2026
Absolute gain
+₹2,73,599
+113.1%
XIRR (annualised)
14.53%
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
₹3,35,729
Modelled at historical FD rates. The fund beat FD by ₹1,79,870.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹26,000 | ₹32,623 | +25.5% |
| Year 2 (5 Oct 2018) | ₹50,000 | ₹55,773 | +11.5% |
| Year 3 (7 Oct 2019) | ₹74,000 | ₹82,885 | +12% |
| Year 4 (5 Oct 2020) | ₹98,000 | ₹1,15,877 | +18.2% |
| Year 5 (5 Oct 2021) | ₹1,22,000 | ₹2,05,489 | +68.4% |
| Year 6 (6 Oct 2022) | ₹1,46,000 | ₹2,46,512 | +68.8% |
| Year 7 (5 Oct 2023) | ₹1,70,000 | ₹3,12,454 | +83.8% |
| Year 8 (7 Oct 2024) | ₹1,94,000 | ₹4,77,414 | +146.1% |
| Year 9 (6 Oct 2025) | ₹2,18,000 | ₹4,99,530 | +129.1% |
| Year 10 (5 Oct 2026) | ₹2,38,000 | ₹5,11,672 | +115% |
Best year of the journey: Year 5 (+46.9% market move) · Toughest year: Year 10 (-1.5%)
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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 5 Oct 2016 and 5 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.