₹2,000 Monthly SIP in SBI COMMA Fund for 10 Years
If you had started a ₹2,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI COMMA Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹5,72,505
18 Aug 2026
Absolute gain
+₹3,30,505
+136.6%
XIRR (annualised)
16.39%
money-weighted
The journey, month by month
Worst fall on the way
-32%
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
₹3,36,892
Modelled at historical FD rates. The fund beat FD by ₹2,35,613.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹26,000 | ₹29,356 | +12.9% |
| Year 2 (20 Aug 2018) | ₹50,000 | ₹52,989 | +6% |
| Year 3 (19 Aug 2019) | ₹74,000 | ₹71,349 | -3.6% |
| Year 4 (18 Aug 2020) | ₹98,000 | ₹1,16,211 | +18.6% |
| Year 5 (18 Aug 2021) | ₹1,22,000 | ₹2,26,735 | +85.8% |
| Year 6 (18 Aug 2022) | ₹1,46,000 | ₹2,46,675 | +69% |
| Year 7 (18 Aug 2023) | ₹1,70,000 | ₹2,93,726 | +72.8% |
| Year 8 (19 Aug 2024) | ₹1,94,000 | ₹4,60,132 | +137.2% |
| Year 9 (18 Aug 2025) | ₹2,18,000 | ₹4,78,741 | +119.6% |
| Year 10 (18 Aug 2026) | ₹2,42,000 | ₹5,72,505 | +136.6% |
Best year of the journey: Year 5 (+61.7% market move) · Toughest year: Year 3 (-7.3%)
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 SBI COMMA 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.