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Home / Plan / The SIP Reality Check
30 years of real Sensex data

Your SIP's real range, not the brochure number.

Ek number nahi, poori kahani.

Every SIP calculator shows one smooth, rising line. Real markets do not move in a line. This one runs your SIP against every start month from 1996 to 2026 and shows the full spread: how often a SIP that length still finished in the red, and the worst, the typical and the best you would have lived through.

₹
Type "10k" or "25k". The percentages come from history; we just scale them to your cheque.
You stay invested for
The numbers come from a ₹10,000 monthly SIP into the BSE Sensex, tested across every start month from June 1996 to June 2026, thirty years. Not a forecast: a record of what actually happened.
The number the brochure skips
Over 10 years, a Sensex SIP finished in the red only 6% of the time. The other 94% of start dates, you were ahead.
What ₹12 L invested became, across every start date
10-year windows
Worst you'd have seen
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A typical run
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Best you'd have seen
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The thin line marks breakeven. Almost the entire spread sits to its right.
Why time is the risk-killer
The longer you hold, the rarer a loss.

Same market, same SIP. The only thing that changes is how long you sat still. The worst one-year run lost 36%; the worst ten-year run lost 17% and there were far fewer of them. Quitting early is the one move that locks the bad number in.

Seen the range? Now aim it.
Set a target and see the monthly price.
The Crore Ladder → Honest SIP →