₹25,000 Monthly SIP in SBI CONSUMPTION OPPORTUNITIES FUND for 10 Years
If you had started a ₹25,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI CONSUMPTION OPPORTUNITIES FUND's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹60,26,554
3 Sept 2026
Absolute gain
+₹30,01,554
+99.2%
XIRR (annualised)
13.28%
money-weighted
The journey, month by month
Worst fall on the way
-33.5%
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
₹41,98,359
Modelled at historical FD rates. The fund beat FD by ₹18,28,195.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,69,617 | +13.7% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹7,86,271 | +25.8% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,50,488 | +2.8% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹12,88,622 | +5.2% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹23,42,666 | +53.6% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹33,02,267 | +80.9% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹42,99,623 | +102.3% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹64,73,418 | +166.9% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹64,19,681 | +135.6% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹60,26,554 | +99.2% |
Best year of the journey: Year 5 (+47.5% market move) · Toughest year: Year 3 (-12.5%)
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 6 Sept 2016 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.