₹1,000 Monthly SIP in SBI ELSS Tax Saver Fund for 10 Years
If you had started a ₹1,000/month SIP on 4 Jul 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
₹2,91,918
3 Jul 2026
Absolute gain
+₹1,70,918
+141.3%
XIRR (annualised)
16.87%
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
₹1,68,100
Modelled at historical FD rates. The fund beat FD by ₹1,23,818.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹13,000 | ₹14,366 | +10.5% |
| Year 2 (3 Jul 2018) | ₹25,000 | ₹25,834 | +3.3% |
| Year 3 (3 Jul 2019) | ₹37,000 | ₹40,475 | +9.4% |
| Year 4 (3 Jul 2020) | ₹49,000 | ₹48,918 | -0.2% |
| Year 5 (5 Jul 2021) | ₹61,000 | ₹91,629 | +50.2% |
| Year 6 (4 Jul 2022) | ₹73,000 | ₹1,04,230 | +42.8% |
| Year 7 (3 Jul 2023) | ₹85,000 | ₹1,51,439 | +78.2% |
| Year 8 (3 Jul 2024) | ₹97,000 | ₹2,57,174 | +165.1% |
| Year 9 (3 Jul 2025) | ₹1,09,000 | ₹2,80,797 | +157.6% |
| Year 10 (3 Jul 2026) | ₹1,21,000 | ₹2,91,918 | +141.3% |
Best year of the journey: Year 8 (+57.4% market move) · Toughest year: Year 4 (-6.8%)
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 4 Jul 2016 and 3 Jul 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.