₹25,000 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 ₹25,000/month SIP on 22 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
₹15,25,000
61 installments
Value today
₹21,14,446
22 Sept 2026
Absolute gain
+₹5,89,446
+38.7%
XIRR (annualised)
12.95%
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
₹17,93,289
Modelled at historical FD rates. The fund beat FD by ₹3,21,157.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Sept 2022) | ₹3,25,000 | ₹3,62,482 | +11.5% |
| Year 2 (22 Sept 2023) | ₹6,25,000 | ₹7,54,787 | +20.8% |
| Year 3 (23 Sept 2024) | ₹9,25,000 | ₹15,63,073 | +69% |
| Year 4 (22 Sept 2025) | ₹12,25,000 | ₹18,12,664 | +48% |
| Year 5 (22 Sept 2026) | ₹14,75,000 | ₹20,63,507 | +39.9% |
Best year of the journey: Year 3 (+48.2% market move) · Toughest year: Year 4 (-2.7%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 22 Sept 2021 and 22 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.