1-year SIP in DOMS
-6.8% on what went in12 instalments of ₹10,000 — ₹1,20,000 paid in — would be worth ₹1,11,868 today, an XIRR of -14.3%.
- Invested
- ₹1,20,000
- Value today
- ₹1,11,868
- Loss
- ₹8,132
- Multiple
- 0.9×
Same money, invested once: ₹1,06,305 (-12.4% XIRR) — the SIP did better.
Same SIP into the Nifty 50: ₹1,18,061 (-3.5% XIRR) — the index ahead.