₹2,000 Monthly SIP in Franklin India Credit Risk Fund for 3 Years
If you had started a ₹2,000/month SIP on 11 Jun 2020 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Credit Risk Fund's actual NAV for all 37 installments.
You invested
₹74,000
37 installments
Value today
₹83,077
11 Jun 2023
Absolute gain
+₹9,077
+12.3%
XIRR (annualised)
7.74%
money-weighted
The journey, month by month
Worst fall on the way
-2.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹80,428
Modelled at historical FD rates. The fund beat FD by ₹2,649.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Jun 2021) | ₹26,000 | ₹28,475 | +9.5% |
| Year 2 (13 Jun 2022) | ₹50,000 | ₹53,965 | +7.9% |
| Year 3 (11 Jun 2023) | ₹74,000 | ₹83,077 | +12.3% |
Best year of the journey: Year 1 (+9.5% market move) · Toughest year: Year 2 (2.8%)
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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Same SIP in other Credit Risk funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Franklin India Credit Risk Fund's published NAV (source: AMFI) between 11 Jun 2020 and 11 Jun 2023; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.