₹5,000 Monthly SIP in Tata India Consumer Fund for 10 Years
If you had started a ₹5,000/month SIP on 4 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using Tata India Consumer Fund's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹14,18,266
3 Jul 2026
Absolute gain
+₹8,13,266
+134.4%
XIRR (annualised)
16.34%
money-weighted
The journey, month by month
Worst fall on the way
-29.8%
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
₹8,40,501
Modelled at historical FD rates. The fund beat FD by ₹5,77,765.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹65,000 | ₹80,019 | +23.1% |
| Year 2 (3 Jul 2018) | ₹1,25,000 | ₹1,65,278 | +32.2% |
| Year 3 (3 Jul 2019) | ₹1,85,000 | ₹2,15,985 | +16.7% |
| Year 4 (3 Jul 2020) | ₹2,45,000 | ₹2,76,042 | +12.7% |
| Year 5 (5 Jul 2021) | ₹3,05,000 | ₹4,76,567 | +56.3% |
| Year 6 (4 Jul 2022) | ₹3,65,000 | ₹5,47,853 | +50.1% |
| Year 7 (3 Jul 2023) | ₹4,25,000 | ₹7,66,975 | +80.5% |
| Year 8 (3 Jul 2024) | ₹4,85,000 | ₹11,35,055 | +134% |
| Year 9 (3 Jul 2025) | ₹5,45,000 | ₹12,72,497 | +133.5% |
| Year 10 (3 Jul 2026) | ₹6,05,000 | ₹14,18,266 | +134.4% |
Best year of the journey: Year 5 (+41.8% market move) · Toughest year: Year 3 (-4.1%)
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's published NAV (source: AMFI) between 4 Jul 2016 and 3 Jul 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.