₹25,000 Monthly SIP in SBI ESG Exclusionary Strategy Fund for 5 Years
If you had started a ₹25,000/month SIP on 6 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI ESG Exclusionary Strategy Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹18,90,666
4 Sept 2026
Absolute gain
+₹3,65,666
+24%
XIRR (annualised)
8.63%
money-weighted
The journey, month by month
Worst fall on the way
-13%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,88,108
Modelled at historical FD rates. The fund beat FD by ₹1,02,558.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹3,25,000 | ₹3,33,590 | +2.6% |
| Year 2 (4 Sept 2023) | ₹6,25,000 | ₹7,01,137 | +12.2% |
| Year 3 (4 Sept 2024) | ₹9,25,000 | ₹12,80,934 | +38.5% |
| Year 4 (4 Sept 2025) | ₹12,25,000 | ₹15,65,169 | +27.8% |
| Year 5 (4 Sept 2026) | ₹15,25,000 | ₹18,90,666 | +24% |
Best year of the journey: Year 3 (+27.9% market move) · Toughest year: Year 4 (-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 ESG Exclusionary Strategy Fund's published NAV (source: AMFI) between 6 Sept 2021 and 4 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.