Past SIP Performance: A Real Historical Backtest
See what a monthly SIP would genuinely have returned, using actual NAV history instead of an assumed rate.
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Rupees invested on the 1st of every month
Pick a fund and a real date range, and this tool replays actual month-by-month AMFI NAV history to show what a SIP would genuinely have returned, not a projection at an assumed rate.
Figures shown are a backtest computed from the fund's actual published NAV history for the period you selected, not an assumed rate of return. Past performance is not a guarantee, promise, or assurance of future results, and a different date range or fund can produce a very different outcome. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Why a Historical SIP Backtest Matters
An assumed-rate SIP calculator answers "what if returns average X% every year", a tidy question markets never actually deliver on. A historical backtest answers a harder, more useful question: what would a SIP in this specific fund have actually returned, through its real market cycles, corrections, and recoveries? That's the difference between a planning estimate and a track record.
This matters most when you're evaluating a fund you're considering, or reviewing one you already hold. Seeing the real month-by-month path, not just the final number, shows you how bumpy the ride actually was, which is exactly the information an assumed-rate curve smooths away.
How the Backtest Is Calculated
This tool takes your chosen fund, monthly amount, and date range, then simulates buying real units at each month's actual historical NAV, exactly as a real SIP would have executed. The total units accumulated are valued at the fund's most recent NAV to get the current value, and the annualised return is computed via XIRR (accounting for each instalment's different holding period), the same method used industry-wide.
How to Use This Tool
Choose a category, fund house, and scheme from the dropdowns, then set a monthly SIP amount and a start and end date. The tool shows total amount invested, current value, absolute gain, and annualised XIRR. Try a few different date ranges for the same fund, especially one spanning a known market correction, to see how the fund actually behaved when conditions weren't smooth.
Common Mistakes When Reading a SIP Backtest
The biggest one is treating a single favourable date range as proof a fund will keep performing that way: cherry-picking a start date right before a rally will always look better than reality warrants. Test more than one date range, including at least one that spans a downturn, before drawing any conclusion.
The second is comparing funds across different categories on this number alone: a small-cap fund and a liquid fund will show very different SIP outcomes because they carry very different risk, not because one is simply "better." Compare like with like, and treat every result here as historical fact about the past, never a promise about the future.
Frequently Asked Questions
Direct answers to the questions we hear most often. No hedging, no ambiguity.
Contact for specific questionsMost SIP calculators (including our own SIP Calculator elsewhere on this site) compound an assumed annual rate you enter yourself. This tool instead replays a monthly SIP against a fund's actual published NAV history, buying real units at each month's real price, so the result reflects what genuinely happened, not a smooth, assumed curve.
XIRR accounts for the fact that SIP instalments go in on different dates and each grows for a different length of time. It's the same method AMFI and fund platforms use to state SIP returns, so the number here is directly comparable to what you'd see on any other platform for the same fund and date range.
No. This is a backtest of what already happened in the specific date range you selected: historical fact, not a forecast, promise, or projection of future performance. Markets move in cycles, and a fund's past NAV history is not an indicator of what its NAV will do next.
Run the backtest once per fund with the same amount and date range, then compare the final value and XIRR side by side. Keep the comparison within the same category (e.g. two Flexi Cap funds) since different categories carry different risk profiles and aren't a fair like-for-like comparison.
Figures shown are illustrative projections based on historical data and assumed rates of return. They are not a guarantee, promise, or assurance of future performance. Actual returns will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Our Team's Credentials
AMFI MF Distributor (2823) & MF/SIF Distributor (300788)
CFP Certification, FPSB India
MDRT (6x): Rekha Guliani
LUTCF, The American College of Insurance
Chairman Club, ICICI Prudential MF
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Like What You See in the Backtest?
Past performance is historical fact, not a guarantee. Talk to a member of our credentialed team about whether this fund actually fits your goals and risk profile.
A member of our team will confirm a time within one business day.
We do not charge anything for the guidance we provide. For any investments made through us, the AMCs may pay us a commission. Our recommendations are based on your risk profile, time horizon, and financial requirement, not on the commission we may earn.