₹1,000 Monthly SIP in Navi ELSS Tax Saver Fund for 3 Years
If you had started a ₹1,000/month SIP on 10 Apr 2023 and never stopped — through every crash and rally — here is exactly what happened, using Navi ELSS Tax Saver Fund's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹39,547
10 Apr 2026
Absolute gain
+₹2,547
+6.9%
XIRR (annualised)
4.42%
money-weighted
The journey, month by month
Worst fall on the way
-11%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,139
Modelled at historical FD rates. The fund trailed FD by ₹1,592.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Apr 2024) | ₹13,000 | ₹14,873 | +14.4% |
| Year 2 (11 Apr 2025) | ₹25,000 | ₹26,349 | +5.4% |
| Year 3 (10 Apr 2026) | ₹37,000 | ₹39,547 | +6.9% |
Best year of the journey: Year 1 (+14.4% market move) · Toughest year: Year 2 (-1.9%)
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 ELSS Tax Saver funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Navi ELSS Tax Saver Fund's published NAV (source: AMFI) between 10 Apr 2023 and 10 Apr 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.