₹5,000 Monthly SIP in Franklin India Opportunities Fund for 10 Years
If you had started a ₹5,000/month SIP on 16 Sept 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
₹6,05,000
121 installments
Value today
₹16,54,811
16 Sept 2026
Absolute gain
+₹10,49,811
+173.5%
XIRR (annualised)
19.08%
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
₹8,41,526
Modelled at historical FD rates. The fund beat FD by ₹8,13,285.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹65,000 | ₹74,117 | +14% |
| Year 2 (17 Sept 2018) | ₹1,25,000 | ₹1,37,640 | +10.1% |
| Year 3 (16 Sept 2019) | ₹1,85,000 | ₹1,84,308 | -0.4% |
| Year 4 (16 Sept 2020) | ₹2,45,000 | ₹2,68,818 | +9.7% |
| Year 5 (16 Sept 2021) | ₹3,05,000 | ₹5,20,077 | +70.5% |
| Year 6 (16 Sept 2022) | ₹3,65,000 | ₹5,84,994 | +60.3% |
| Year 7 (18 Sept 2023) | ₹4,25,000 | ₹8,31,386 | +95.6% |
| Year 8 (16 Sept 2024) | ₹4,85,000 | ₹14,78,323 | +204.8% |
| Year 9 (16 Sept 2025) | ₹5,45,000 | ₹15,75,241 | +189% |
| Year 10 (16 Sept 2026) | ₹6,05,000 | ₹16,54,811 | +173.5% |
Best year of the journey: Year 8 (+65.8% market move) · Toughest year: Year 3 (-6.7%)
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 16 Sept 2016 and 16 Sept 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.