₹5,000 Monthly SIP in SBI ELSS Tax Saver Fund for 5 Years
If you had started a ₹5,000/month SIP on 29 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI ELSS Tax Saver Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹4,09,574
29 Sept 2026
Absolute gain
+₹1,04,574
+34.3%
XIRR (annualised)
11.57%
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
₹3,59,168
Modelled at historical FD rates. The fund beat FD by ₹50,406.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2022) | ₹65,000 | ₹65,573 | +0.9% |
| Year 2 (29 Sept 2023) | ₹1,25,000 | ₹1,60,132 | +28.1% |
| Year 3 (30 Sept 2024) | ₹1,85,000 | ₹3,24,868 | +75.6% |
| Year 4 (29 Sept 2025) | ₹2,45,000 | ₹3,68,244 | +50.3% |
| Year 5 (29 Sept 2026) | ₹3,05,000 | ₹4,09,574 | +34.3% |
Best year of the journey: Year 3 (+47.6% market move) · Toughest year: Year 5 (-4.4%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 2021 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.