Historical SIP Returns
Data-backed analysis of SIP performance across 10, 15, and 20-year periods in Indian equity markets.
Zero Negative Returns in 10-Year SIPs
Historical data shows that no 10-year SIP in the Nifty 50 has ever delivered negative returns, regardless of when it was started. The minimum 10-year SIP CAGR has been approximately 7-8%, and the average has been 12-15%.
Average SIP CAGR by Category & Period
Based on historical data of Indian equity mutual funds
₹10,000/Month SIP — Entry Point Analysis
How SIPs started at different market phases performed (in a Nifty 50 index fund, 20-year horizon where applicable)
| SIP Started | Total Invested | Current Value | XIRR/CAGR | Rating |
|---|---|---|---|---|
| Jan 2005 | ₹24L | ₹1.42 Cr | 15.2% | Excellent |
| Jan 2008 (Pre-crash) | ₹24L | ₹1.18 Cr | 13.1% | Great |
| Oct 2008 (During crash) | ₹24L | ₹1.58 Cr | 16.4% | Best |
| Jan 2010 (Post-recovery) | ₹24L | ₹98L | 12.8% | Good |
| Jan 2015 | ₹12L | ₹23.5L | 14.5% | Great |
| Jan 2020 (Pre-COVID) | ₹6L | ₹8.9L | 15.8% | Excellent |
Key Takeaways
SIPs started during or just before market crashes delivered the BEST long-term returns
No 10-year SIP in Nifty 50 has ever delivered negative returns
Mid-cap and small-cap SIPs outperform over longer periods but with higher volatility
The difference between best and worst SIP entry points narrows significantly after 15+ years
Consistency matters more than timing — all SIPs eventually delivered positive returns
Step-up SIPs would have generated even higher returns in all scenarios
Note: These figures are illustrative and based on approximate historical data of Indian equity markets. Actual returns vary by specific fund, market conditions, and investment period. Past performance does not guarantee future results.