₹2,000 Monthly SIP in TATA India Consumer Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option for 5 Years
If you had started a ₹2,000/month SIP on 27 Sept 2021 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 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,69,451
25 Sept 2026
Absolute gain
+₹47,451
+38.9%
XIRR (annualised)
12.98%
money-weighted
The journey, month by month
Worst fall on the way
-16.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,43,537
Modelled at historical FD rates. The fund beat FD by ₹25,914.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2022) | ₹26,000 | ₹28,112 | +8.1% |
| Year 2 (25 Sept 2023) | ₹50,000 | ₹60,485 | +21% |
| Year 3 (25 Sept 2024) | ₹74,000 | ₹1,23,687 | +67.1% |
| Year 4 (25 Sept 2025) | ₹98,000 | ₹1,41,690 | +44.6% |
| Year 5 (25 Sept 2026) | ₹1,18,000 | ₹1,65,369 | +40.1% |
Best year of the journey: Year 3 (+46.4% market move) · Toughest year: Year 4 (-4.1%)
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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 27 Sept 2021 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.