Actionable insights on equities, fixed-income, macros and personal finance Start 14-Days Free Trial
Actionable investing insights Get Free Trial
Charts & Analysis

Chart Of The Day: Nifty 5 year SIP Returns


Yesterday’s Chart Of The Day showed the Rolling Nifty Return over five years, and in response readers have requested that I check what it means to have done an SIP instead – a fixed amount invested every month. Here we go:

Nifty SIP Rolling Returns

The average return is 13.11%. We are currently at 8.87% versus the 7.09% that we saw with a pure lumpsum approach. This is quite a lot better, since over a long term even a marginal percentage difference makes a lot of money.

The next request was that I consider dividends as well. So I’ve plotted all three – the Lumpsum, SIP and SIP with dividends reinvested option.

SIP with Dividends


I’ve considered data only till September end. Dividends considered using Nifty Total Returns Index, where data is only available since 1999. Dividends in the early part of the last decade were higher than later, it seems.

SIP with Dividends: most recent five year return is 9.94%.


Like our content? Join Capitalmind Premium.

  • Equity, fixed income, macro and personal finance research
  • Model equity and fixed-income portfolios
  • Exclusive apps, tutorials, and member community
Subscribe Now Or start with a free-trial