₹1,000 Monthly SIP in SBI ELSS Tax Saver Fund for 10 Years
If you had started a ₹1,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI ELSS Tax Saver Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,66,335
29 Sept 2026
Absolute gain
+₹1,45,335
+120.1%
XIRR (annualised)
14.97%
money-weighted
The journey, month by month
Worst fall on the way
-34.5%
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
₹1,68,676
Modelled at historical FD rates. The fund beat FD by ₹97,659.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹13,000 | ₹14,007 | +7.7% |
| Year 2 (1 Oct 2018) | ₹26,000 | ₹26,758 | +2.9% |
| Year 3 (30 Sept 2019) | ₹37,000 | ₹38,231 | +3.3% |
| Year 4 (29 Sept 2020) | ₹49,000 | ₹52,498 | +7.1% |
| Year 5 (29 Sept 2021) | ₹61,000 | ₹97,484 | +59.8% |
| Year 6 (29 Sept 2022) | ₹73,000 | ₹1,10,192 | +50.9% |
| Year 7 (29 Sept 2023) | ₹85,000 | ₹1,62,719 | +91.4% |
| Year 8 (30 Sept 2024) | ₹97,000 | ₹2,68,248 | +176.5% |
| Year 9 (29 Sept 2025) | ₹1,09,000 | ₹2,66,009 | +144% |
| Year 10 (29 Sept 2026) | ₹1,21,000 | ₹2,66,335 | +120.1% |
Best year of the journey: Year 8 (+53.5% market move) · Toughest year: Year 9 (-5.1%)
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 ELSS Tax Saver Fund's published NAV (source: AMFI) between 29 Sept 2016 and 29 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.