₹10,000 Monthly SIP in Tata India Pharma & Healthcare Fund for 10 Years
If you had started a ₹10,000/month SIP on 28 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Tata India Pharma & Healthcare Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹32,10,305
28 Sept 2026
Absolute gain
+₹20,00,305
+165.3%
XIRR (annualised)
18.42%
money-weighted
The journey, month by month
Worst fall on the way
-16.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,86,473
Modelled at historical FD rates. The fund beat FD by ₹15,23,832.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹1,30,000 | ₹1,18,208 | -9.1% |
| Year 2 (28 Sept 2018) | ₹2,50,000 | ₹2,63,182 | +5.3% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹3,78,725 | +2.4% |
| Year 4 (28 Sept 2020) | ₹4,90,000 | ₹7,53,955 | +53.9% |
| Year 5 (28 Sept 2021) | ₹6,10,000 | ₹11,36,606 | +86.3% |
| Year 6 (28 Sept 2022) | ₹7,30,000 | ₹11,83,075 | +62.1% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹16,39,626 | +92.9% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹27,07,662 | +179.1% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹27,67,659 | +153.9% |
| Year 10 (28 Sept 2026) | ₹12,10,000 | ₹32,10,305 | +165.3% |
Best year of the journey: Year 8 (+53.9% market move) · Toughest year: Year 1 (-9.1%)
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 Pharma & Healthcare Fund's published NAV (source: AMFI) between 28 Sept 2016 and 28 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.