₹5,000 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 ₹5,000/month SIP on 26 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
₹6,05,000
121 installments
Value today
₹13,57,519
25 Sept 2026
Absolute gain
+₹7,52,519
+124.4%
XIRR (annualised)
15.35%
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
₹8,42,729
Modelled at historical FD rates. The fund beat FD by ₹5,14,790.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹65,000 | ₹82,213 | +26.5% |
| Year 2 (25 Sept 2018) | ₹1,25,000 | ₹1,53,743 | +23% |
| Year 3 (25 Sept 2019) | ₹1,85,000 | ₹2,17,460 | +17.5% |
| Year 4 (25 Sept 2020) | ₹2,45,000 | ₹2,85,148 | +16.4% |
| Year 5 (27 Sept 2021) | ₹3,05,000 | ₹5,18,506 | +70% |
| Year 6 (26 Sept 2022) | ₹3,65,000 | ₹6,13,244 | +68% |
| Year 7 (25 Sept 2023) | ₹4,25,000 | ₹7,86,665 | +85.1% |
| Year 8 (25 Sept 2024) | ₹4,85,000 | ₹12,79,494 | +163.8% |
| Year 9 (25 Sept 2025) | ₹5,45,000 | ₹12,69,474 | +132.9% |
| Year 10 (25 Sept 2026) | ₹5,95,000 | ₹13,47,313 | +126.4% |
Best year of the journey: Year 8 (+51.1% market move) · Toughest year: Year 9 (-5.2%)
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 26 Sept 2016 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.