₹1,000 Monthly SIP in DSP ELSS Tax Saver Fund for 10 Years
If you had started a ₹1,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using DSP ELSS Tax Saver Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,54,925
1 Oct 2026
Absolute gain
+₹1,33,925
+110.7%
XIRR (annualised)
14.35%
money-weighted
The journey, month by month
Worst fall on the way
-35.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,766
Modelled at historical FD rates. The fund beat FD by ₹87,159.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹13,000 | ₹14,368 | +10.5% |
| Year 2 (1 Oct 2018) | ₹25,000 | ₹25,852 | +3.4% |
| Year 3 (1 Oct 2019) | ₹37,000 | ₹41,646 | +12.6% |
| Year 4 (1 Oct 2020) | ₹49,000 | ₹54,355 | +10.9% |
| Year 5 (1 Oct 2021) | ₹61,000 | ₹1,06,846 | +75.2% |
| Year 6 (3 Oct 2022) | ₹73,000 | ₹1,17,197 | +60.5% |
| Year 7 (3 Oct 2023) | ₹85,000 | ₹1,57,001 | +84.7% |
| Year 8 (1 Oct 2024) | ₹97,000 | ₹2,52,916 | +160.7% |
| Year 9 (1 Oct 2025) | ₹1,09,000 | ₹2,55,859 | +134.7% |
| Year 10 (1 Oct 2026) | ₹1,21,000 | ₹2,54,925 | +110.7% |
Best year of the journey: Year 5 (+61% market move) · Toughest year: Year 10 (-4.8%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using DSP ELSS Tax Saver Fund's published NAV (source: AMFI) between 3 Oct 2016 and 1 Oct 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.