₹10,000 Monthly SIP in Franklin India Opportunities Fund for 10 Years
If you had started a ₹10,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Opportunities Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹34,57,466
18 Aug 2026
Absolute gain
+₹22,47,466
+185.7%
XIRR (annualised)
19.88%
money-weighted
The journey, month by month
Worst fall on the way
-35%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,84,458
Modelled at historical FD rates. The fund beat FD by ₹17,73,008.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,41,445 | +8.8% |
| Year 2 (20 Aug 2018) | ₹2,50,000 | ₹2,82,312 | +12.9% |
| Year 3 (19 Aug 2019) | ₹3,70,000 | ₹3,71,370 | +0.4% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹5,16,128 | +5.3% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹9,86,425 | +61.7% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹11,57,416 | +58.6% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹16,07,389 | +89.1% |
| Year 8 (19 Aug 2024) | ₹9,70,000 | ₹29,00,447 | +199% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹31,01,569 | +184.5% |
| Year 10 (18 Aug 2026) | ₹12,10,000 | ₹34,57,466 | +185.7% |
Best year of the journey: Year 8 (+67.9% market move) · Toughest year: Year 3 (-7.7%)
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 Franklin India Opportunities Fund's published NAV (source: AMFI) between 18 Aug 2016 and 18 Aug 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.