₹25,000 Monthly SIP in SBI Flexicap Fund for 5 Years
If you had started a ₹25,000/month SIP on 5 Jul 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
₹15,25,000
61 installments
Value today
₹18,87,603
3 Jul 2026
Absolute gain
+₹3,62,603
+23.8%
XIRR (annualised)
8.6%
money-weighted
The journey, month by month
Worst fall on the way
-12.3%
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
₹17,83,420
Modelled at historical FD rates. The fund beat FD by ₹1,04,183.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹3,25,000 | ₹3,05,082 | -6.1% |
| Year 2 (3 Jul 2023) | ₹6,25,000 | ₹6,95,149 | +11.2% |
| Year 3 (3 Jul 2024) | ₹9,25,000 | ₹12,62,226 | +36.5% |
| Year 4 (3 Jul 2025) | ₹12,25,000 | ₹15,98,896 | +30.5% |
| Year 5 (3 Jul 2026) | ₹14,75,000 | ₹18,37,328 | +24.6% |
Best year of the journey: Year 3 (+26.8% market move) · Toughest year: Year 1 (-6.1%)
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 Flexicap Fund's published NAV (source: AMFI) between 5 Jul 2021 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.