Research & Data

SIP Research & Data Hub

Data-driven analysis of SIP performance across market cycles. Historical returns, rolling returns studies, case studies, and interactive simulators — backed by decades of market data.

Historical SIP Returns

Explore 10, 15, and 20-year SIP returns across Nifty 50, Sensex, and major fund categories. Data-backed analysis of long-term SIP performance.

No 10-year SIP in Nifty has given negative returns

Average 10-year SIP CAGR: 12-15%

Best entry: SIPs started before market corrections

20+ years of dataExplore

SIP in Bull vs Bear Markets

How SIP performs differently in rising and falling markets. Understand why market crashes are actually beneficial for SIP investors.

SIPs started in bear markets outperform by 20-30%

Rupee Cost Averaging shines during volatility

Case studies from 2008, 2015, 2020 crashes

Cycle analysisExplore

Rolling Returns Study

The most accurate method to evaluate SIP performance. Rolling returns eliminate the bias of start and end dates.

What are rolling returns and why they matter

5, 7, 10, 15-year rolling return distributions

Probability of positive returns over different periods

Statistical analysisExplore

XIRR Explained

The correct way to calculate SIP returns. Learn why CAGR is misleading for SIP and how XIRR gives accurate results.

Why CAGR does not work for SIP returns

Step-by-step XIRR calculation with examples

Common mistakes in SIP return calculation

Methodology deep-diveExplore

SIP Case Studies

Real-world scenarios showing SIP outcomes across different life stages, amounts, and market conditions.

Fresh graduate starting ₹3,000 SIP

Family planning ₹50,000 SIP portfolio

Pre-retiree shifting from equity to debt SIP

10+ scenariosExplore

Market Volatility Simulator

Interactive

Interactive tool to simulate market crashes, slow growth periods, and recovery phases. See how your SIP holds up under stress.

Simulate market crash at any year

Adjust correction severity and recovery period

Compare normal vs stressed SIP portfolios

Interactive toolExplore

Key Research Findings

Chance of loss in any 10-year Nifty SIP

12-15%

Average 10-year SIP CAGR in equity

Typical wealth multiplier in 15-year SIP

20-30%

Extra returns from SIPs started in bear markets

Research data is based on historical performance of Indian equity markets and mutual fund indices. Past performance does not guarantee future returns. The information is for educational purposes only.