₹10,000 Monthly SIP in DSP ELSS Tax Saver Fund for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹25,49,249
1 Oct 2026
Absolute gain
+₹13,39,249
+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
₹16,77,659
Modelled at historical FD rates. The fund beat FD by ₹8,71,590.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹1,30,000 | ₹1,43,684 | +10.5% |
| Year 2 (1 Oct 2018) | ₹2,50,000 | ₹2,58,522 | +3.4% |
| Year 3 (1 Oct 2019) | ₹3,70,000 | ₹4,16,464 | +12.6% |
| Year 4 (1 Oct 2020) | ₹4,90,000 | ₹5,43,552 | +10.9% |
| Year 5 (1 Oct 2021) | ₹6,10,000 | ₹10,68,459 | +75.2% |
| Year 6 (3 Oct 2022) | ₹7,30,000 | ₹11,71,970 | +60.5% |
| Year 7 (3 Oct 2023) | ₹8,50,000 | ₹15,70,015 | +84.7% |
| Year 8 (1 Oct 2024) | ₹9,70,000 | ₹25,29,157 | +160.7% |
| Year 9 (1 Oct 2025) | ₹10,90,000 | ₹25,58,586 | +134.7% |
| Year 10 (1 Oct 2026) | ₹12,10,000 | ₹25,49,249 | +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.