Crash Test Your Mutual Funds
How would your mutual fund investments hold up if the market crashed tomorrow? Pick your profile, enter your amount, find out in 30 seconds.
- 3 historical crashes
- 30 seconds
- 100% free
Not sure? If you mostly picked whatever your app recommended, choose "A bit of everything." If you remember choosing small-cap or thematic funds for higher returns, choose "High growth."
How it works
Three taps. No login, no bank access. Just the math nobody wants to do.
Pick your profile
Steady, balanced, or high growth — three pre-set allocations cover what most Indian investors actually hold.
Run the history
We apply real drawdowns from 2008, COVID, and the dot-com bust to your specific mix — beta-adjusted by category.
See the damage in rupees
Worst-case loss in 30 seconds, then a deep dive across all three crashes with the silent distributor-fee drain if you want it.
How bad can it really get?
No market is immune. Recovery takes years, not months.
| Crash | Market | Drop | Recovery |
|---|---|---|---|
| India 2008 | Sensex (large cap) | -60% | 2-3 years |
| India 2008 | Mid-cap index | -65% | 6-7 years |
| India 2008 | Small-cap index | -72% | 6-8 years |
| COVID 2020 | Sensex | -38% | 8 months |
| COVID 2020 | Small-cap | -48% | 14-18 months |
| India Dot-com | Sensex | -56% | 3-4 years |
| India Dot-com | IT / tech stocks | -75% | 10-15 years |
| US Dot-com | NASDAQ | -78% | 15 years |
| Japan 1989 | Nikkei | -82% | 34 years |
"The Sensex recovered in 2 years" is the most misleading stat in Indian investing. It only measures the top 30 stocks. The BSE Small-cap index was still 58% below its 2008 peak nearly 6 years later. If you're in small or mid-cap funds, your recovery timeline is very different from what the headlines say.
The Japanese stock market peaked in 1989. It didn't recover for 34 years. India is not Japan — but no market is immune to prolonged downturns.
The Indian stock market recovered from the dot-com crash in 3-4 years. But IT and tech stocks? 15 years. If you're in sectoral or thematic funds, your recovery depends on which sector crashes — and some sectors don't come back for a generation.
Nobody times a crash. On March 12, 2020, Nifty fell 8.3% in a single day. By the time you saw the notification on your phone, you'd already lost 8%. Crashes don't send calendar invites.
Amazon lost 93% of its value in the dot-com crash. It took 10 years to recover. The company survived — but most investors who bought at the peak didn't hold long enough to find out.
Frequently asked
Disclaimer. Crash Test uses historical market data to illustrate how different mutual fund categories performed during past downturns. Past performance does not predict future results. Category-level averages are used — individual fund performance may differ. Expense ratio estimates are based on industry averages for regular and direct plans. This tool is for educational purposes only and does not constitute investment advice. Savepuri does not earn commissions or referral fees from any fund house or platform. Please consult a SEBI-registered investment advisor for personalised guidance.