₹5,000 Monthly SIP in DSP ELSS Tax Saver Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹12,74,625
1 Oct 2026
Absolute gain
+₹6,69,625
+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
₹8,38,830
Modelled at historical FD rates. The fund beat FD by ₹4,35,795.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹65,000 | ₹71,842 | +10.5% |
| Year 2 (1 Oct 2018) | ₹1,25,000 | ₹1,29,261 | +3.4% |
| Year 3 (1 Oct 2019) | ₹1,85,000 | ₹2,08,232 | +12.6% |
| Year 4 (1 Oct 2020) | ₹2,45,000 | ₹2,71,776 | +10.9% |
| Year 5 (1 Oct 2021) | ₹3,05,000 | ₹5,34,230 | +75.2% |
| Year 6 (3 Oct 2022) | ₹3,65,000 | ₹5,85,985 | +60.5% |
| Year 7 (3 Oct 2023) | ₹4,25,000 | ₹7,85,007 | +84.7% |
| Year 8 (1 Oct 2024) | ₹4,85,000 | ₹12,64,578 | +160.7% |
| Year 9 (1 Oct 2025) | ₹5,45,000 | ₹12,79,293 | +134.7% |
| Year 10 (1 Oct 2026) | ₹6,05,000 | ₹12,74,625 | +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.
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 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.