₹10,000 Monthly SIP in Tata Retirement Savings Fund - Progressive Plan for 3 Years
If you had started a ₹10,000/month SIP on 18 Aug 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,38,401
18 Aug 2026
Absolute gain
+₹68,401
+18.5%
XIRR (annualised)
11.3%
money-weighted
The journey, month by month
Worst fall on the way
-12.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,12,023
Modelled at historical FD rates. The fund beat FD by ₹26,378.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹1,30,000 | ₹1,58,529 | +21.9% |
| Year 2 (18 Aug 2025) | ₹2,50,000 | ₹2,82,894 | +13.2% |
| Year 3 (18 Aug 2026) | ₹3,70,000 | ₹4,38,401 | +18.5% |
Best year of the journey: Year 1 (+21.9% market move) · Toughest year: Year 2 (1.6%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 2023 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.