₹1,000 Monthly SIP in DSP ELSS Tax Saver Fund for 5 Years
If you had started a ₹1,000/month SIP on 5 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using DSP ELSS Tax Saver Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹85,620
3 Jul 2026
Absolute gain
+₹24,620
+40.4%
XIRR (annualised)
13.71%
money-weighted
The journey, month by month
Worst fall on the way
-13.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,352
Modelled at historical FD rates. The fund beat FD by ₹14,268.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹13,000 | ₹12,199 | -6.2% |
| Year 2 (3 Jul 2023) | ₹25,000 | ₹28,129 | +12.5% |
| Year 3 (3 Jul 2024) | ₹37,000 | ₹57,123 | +54.4% |
| Year 4 (3 Jul 2025) | ₹49,000 | ₹73,387 | +49.8% |
| Year 5 (3 Jul 2026) | ₹61,000 | ₹85,620 | +40.4% |
Best year of the journey: Year 3 (+42.3% market move) · Toughest year: Year 1 (-6.2%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 5 Jul 2021 and 3 Jul 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.