₹10,000 Monthly SIP in SBI Equity Minimum Variance Fund for 3 Years
If you had started a ₹10,000/month SIP on 25 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI Equity Minimum Variance Fund's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,75,453
25 Sept 2026
Absolute gain
+₹5,453
+1.5%
XIRR (annualised)
0.94%
money-weighted
The journey, month by month
Worst fall on the way
-9.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,12,577
Modelled at historical FD rates. The fund trailed FD by ₹37,124.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2024) | ₹1,30,000 | ₹1,58,318 | +21.8% |
| Year 2 (25 Sept 2025) | ₹2,50,000 | ₹2,67,261 | +6.9% |
| Year 3 (25 Sept 2026) | ₹3,70,000 | ₹3,75,453 | +1.5% |
Best year of the journey: Year 1 (+21.8% market move) · Toughest year: Year 2 (-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 Equity Minimum Variance Fund's published NAV (source: AMFI) between 25 Sept 2023 and 25 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.