₹25,000 Monthly SIP in Tata Retirement Savings Fund - Progressive Plan for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹63,73,062
18 Aug 2026
Absolute gain
+₹33,48,062
+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
₹42,11,144
Modelled at historical FD rates. The fund beat FD by ₹21,61,918.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,81,154 | +17.3% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹7,60,771 | +21.7% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹10,11,564 | +9.4% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹14,44,077 | +17.9% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹23,90,772 | +56.8% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹27,86,839 | +52.7% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹34,64,103 | +63% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹52,18,911 | +115.2% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹55,58,619 | +104% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹63,73,062 | +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.