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✓ Updated March 2026 · FY 2025-26

Crash Recovery
Estimator

See exactly how long it takes your portfolio to recover after a market crash — and how much faster SIPs during the downturn accelerate your comeback.

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📋 Portfolio & Crash Details
Value₹10 L
₹10K₹25L₹5Cr
Drop30%
5% Dip30% Correction80% Crash
Recovery Rate15%
5% Conservative15% Equity30% Aggressive
SIP₹10K
₹0₹1L₹2L
📚 Historical crashes: Sensex 2008: −60%, COVID 2020: −38%, 2000 dot-com: −56%, 1992 Harshad Mehta: −40%
Years to Full Recovery
2.5 yrs
To recover to original portfolio value
📊 Recovery Path Chart

Crash Recovery — The Math Investors Overlook

A 30% crash does not need a 30% recovery to break even — it needs a 43% gain. A 50% crash needs 100% to recover. This asymmetry is why protecting capital during downturns matters. Continuing your SIP during a crash is one of the most powerful wealth-building strategies — you buy more units when prices are low.

−30%
Crash → needs +43% to recover
−50%
Crash → needs +100% to recover
2.3 yrs
Avg Sensex recovery after major crash
+2× faster
SIP recovery vs no SIP during crash

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