₹1,000 Monthly SIP in Tata Retirement Savings Fund - Progressive Plan for 10 Years
If you had started a ₹1,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using Tata Retirement Savings Fund - Progressive Plan's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,54,922
18 Aug 2026
Absolute gain
+₹1,33,922
+110.7%
XIRR (annualised)
14.24%
money-weighted
The journey, month by month
Worst fall on the way
-32.9%
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
₹1,68,446
Modelled at historical FD rates. The fund beat FD by ₹86,476.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹13,000 | ₹15,246 | +17.3% |
| Year 2 (20 Aug 2018) | ₹25,000 | ₹30,431 | +21.7% |
| Year 3 (19 Aug 2019) | ₹37,000 | ₹40,463 | +9.4% |
| Year 4 (18 Aug 2020) | ₹49,000 | ₹57,763 | +17.9% |
| Year 5 (18 Aug 2021) | ₹61,000 | ₹95,631 | +56.8% |
| Year 6 (18 Aug 2022) | ₹73,000 | ₹1,11,474 | +52.7% |
| Year 7 (18 Aug 2023) | ₹85,000 | ₹1,38,564 | +63% |
| Year 8 (19 Aug 2024) | ₹97,000 | ₹2,08,756 | +115.2% |
| Year 9 (18 Aug 2025) | ₹1,09,000 | ₹2,22,345 | +104% |
| Year 10 (18 Aug 2026) | ₹1,21,000 | ₹2,54,922 | +110.7% |
Best year of the journey: Year 8 (+38.6% market move) · Toughest year: Year 3 (-4.6%)
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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Same SIP in other similar funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Tata Retirement Savings Fund - Progressive Plan's published NAV (source: AMFI) between 18 Aug 2016 and 18 Aug 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.