₹2,000 Monthly SIP in SBI CONSUMPTION OPPORTUNITIES FUND for 3 Years
If you had started a ₹2,000/month SIP on 4 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI CONSUMPTION OPPORTUNITIES FUND's actual NAV for all 37 installments.
You invested
₹74,000
37 installments
Value today
₹72,305
3 Sept 2026
Absolute gain
₹-1,695
-2.3%
XIRR (annualised)
-1.54%
money-weighted
The journey, month by month
Worst fall on the way
-12.8%
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
₹82,191
Modelled at historical FD rates. The fund trailed FD by ₹9,886.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2024) | ₹26,000 | ₹32,284 | +24.2% |
| Year 2 (3 Sept 2025) | ₹50,000 | ₹54,970 | +9.9% |
| Year 3 (3 Sept 2026) | ₹74,000 | ₹72,305 | -2.3% |
Best year of the journey: Year 1 (+24.2% market move) · Toughest year: Year 3 (-8.4%)
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 4 Sept 2023 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.