₹5,000 Monthly SIP in Nippon India Balanced Advantage Fund-Growth Plan for 20 Years
If you had started a ₹5,000/month SIP on 4 Sept 2006 and never stopped — through every crash and rally — here is exactly what happened, using Nippon India Balanced Advantage Fund-Growth Plan's actual NAV for all 241 installments.
You invested
₹12,05,000
241 installments
Value today
₹41,18,143
3 Sept 2026
Absolute gain
+₹29,13,143
+241.8%
XIRR (annualised)
11.07%
money-weighted
The journey, month by month
Worst fall on the way
-41.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹28,50,753
Modelled at historical FD rates. The fund beat FD by ₹12,67,390.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2007) | ₹65,000 | ₹75,618 | +16.3% |
| Year 2 (4 Sept 2008) | ₹1,25,000 | ₹1,13,048 | -9.6% |
| Year 3 (3 Sept 2009) | ₹1,85,000 | ₹2,33,893 | +26.4% |
| Year 4 (3 Sept 2010) | ₹2,45,000 | ₹3,74,392 | +52.8% |
| Year 5 (5 Sept 2011) | ₹3,05,000 | ₹3,79,198 | +24.3% |
| Year 6 (3 Sept 2012) | ₹3,65,000 | ₹4,72,739 | +29.5% |
| Year 7 (3 Sept 2013) | ₹4,25,000 | ₹5,47,814 | +28.9% |
| Year 8 (3 Sept 2014) | ₹4,85,000 | ₹9,33,309 | +92.4% |
| Year 9 (3 Sept 2015) | ₹5,45,000 | ₹10,49,225 | +92.5% |
| Year 10 (6 Sept 2016) | ₹6,05,000 | ₹12,30,579 | +103.4% |
| Year 11 (4 Sept 2017) | ₹6,65,000 | ₹14,72,696 | +121.5% |
| Year 12 (3 Sept 2018) | ₹7,25,000 | ₹16,31,641 | +125.1% |
| Year 13 (3 Sept 2019) | ₹7,85,000 | ₹16,93,504 | +115.7% |
| Year 14 (3 Sept 2020) | ₹8,45,000 | ₹18,73,991 | +121.8% |
| Year 15 (3 Sept 2021) | ₹9,05,000 | ₹24,69,038 | +172.8% |
| Year 16 (5 Sept 2022) | ₹9,65,000 | ₹26,28,072 | +172.3% |
| Year 17 (4 Sept 2023) | ₹10,25,000 | ₹29,40,307 | +186.9% |
| Year 18 (3 Sept 2024) | ₹10,85,000 | ₹37,61,687 | +246.7% |
| Year 19 (3 Sept 2025) | ₹11,45,000 | ₹38,91,757 | +239.9% |
| Year 20 (3 Sept 2026) | ₹12,05,000 | ₹41,18,143 | +241.8% |
Best year of the journey: Year 8 (+53.6% market move) · Toughest year: Year 2 (-16.6%)
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 Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Nippon India Balanced Advantage Fund-Growth Plan's published NAV (source: AMFI) between 4 Sept 2006 and 3 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.