₹10,000 Monthly SIP in SBI CONSUMPTION OPPORTUNITIES FUND for 5 Years
If you had started a ₹10,000/month SIP on 3 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI CONSUMPTION OPPORTUNITIES FUND's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,22,570
3 Sept 2026
Absolute gain
+₹1,12,570
+18.5%
XIRR (annualised)
6.8%
money-weighted
The journey, month by month
Worst fall on the way
-16%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,15,124
Modelled at historical FD rates. The fund beat FD by ₹7,446.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹1,30,000 | ₹1,46,227 | +12.5% |
| Year 2 (4 Sept 2023) | ₹2,50,000 | ₹3,11,271 | +24.5% |
| Year 3 (3 Sept 2024) | ₹3,70,000 | ₹5,89,218 | +59.2% |
| Year 4 (3 Sept 2025) | ₹4,90,000 | ₹6,78,874 | +38.5% |
| Year 5 (3 Sept 2026) | ₹6,10,000 | ₹7,22,570 | +18.5% |
Best year of the journey: Year 3 (+36.6% market move) · Toughest year: Year 5 (-9.6%)
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 CONSUMPTION OPPORTUNITIES FUND's published NAV (source: AMFI) between 3 Sept 2021 and 3 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.