₹5,000 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 ₹5,000/month SIP on 3 Oct 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 36 installments.
You invested
₹1,80,000
36 installments
Value today
₹1,95,144
30 Sept 2026
Absolute gain
+₹15,144
+8.4%
XIRR (annualised)
5.35%
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
₹2,00,270
Modelled at historical FD rates. The fund trailed FD by ₹5,126.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹60,000 | ₹77,556 | +29.3% |
| Year 2 (30 Sept 2025) | ₹1,20,000 | ₹1,34,226 | +11.9% |
| Year 3 (30 Sept 2026) | ₹1,70,000 | ₹1,85,255 | +9% |
Best year of the journey: Year 1 (+29.3% market move) · Toughest year: Year 2 (-2.4%)
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 3 Oct 2023 and 30 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.