₹10,000 Monthly SIP in SBI Flexicap Fund for 5 Years
If you had started a ₹10,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI Flexicap Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,14,131
1 Oct 2026
Absolute gain
+₹1,04,131
+17.1%
XIRR (annualised)
6.34%
money-weighted
The journey, month by month
Worst fall on the way
-12.1%
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
₹7,15,577
Modelled at historical FD rates. The fund trailed FD by ₹1,446.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹1,30,000 | ₹1,29,190 | -0.6% |
| Year 2 (3 Oct 2023) | ₹2,50,000 | ₹2,81,611 | +12.6% |
| Year 3 (1 Oct 2024) | ₹3,70,000 | ₹5,17,833 | +40% |
| Year 4 (1 Oct 2025) | ₹4,90,000 | ₹6,22,433 | +27% |
| Year 5 (1 Oct 2026) | ₹6,10,000 | ₹7,14,131 | +17.1% |
Best year of the journey: Year 3 (+28.9% market move) · Toughest year: Year 5 (-3.8%)
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 Flexicap Fund's published NAV (source: AMFI) between 1 Oct 2021 and 1 Oct 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.