₹25,000 Monthly SIP in TATA India Consumer Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option for 3 Years
If you had started a ₹25,000/month SIP on 18 Sept 2023 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 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹10,42,889
18 Sept 2026
Absolute gain
+₹1,17,889
+12.7%
XIRR (annualised)
7.95%
money-weighted
The journey, month by month
Worst fall on the way
-13.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹10,29,764
Modelled at historical FD rates. The fund beat FD by ₹13,125.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2024) | ₹3,25,000 | ₹4,24,518 | +30.6% |
| Year 2 (18 Sept 2025) | ₹6,25,000 | ₹7,37,194 | +18% |
| Year 3 (18 Sept 2026) | ₹8,75,000 | ₹9,91,881 | +13.4% |
Best year of the journey: Year 1 (+30.6% market move) · Toughest year: Year 3 (0.5%)
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 India Consumer Fund Direct Plan - Payout of Income Distribution cum capital withdrawal option's published NAV (source: AMFI) between 18 Sept 2023 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.