₹5,000 Monthly SIP in SBI Flexicap Fund for 10 Years
If you had started a ₹5,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI Flexicap Fund's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹10,64,646
1 Oct 2026
Absolute gain
+₹4,59,646
+76%
XIRR (annualised)
10.96%
money-weighted
The journey, month by month
Worst fall on the way
-34.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹8,38,830
Modelled at historical FD rates. The fund beat FD by ₹2,25,816.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹65,000 | ₹72,680 | +11.8% |
| Year 2 (1 Oct 2018) | ₹1,25,000 | ₹1,31,900 | +5.5% |
| Year 3 (1 Oct 2019) | ₹1,85,000 | ₹2,08,104 | +12.5% |
| Year 4 (1 Oct 2020) | ₹2,45,000 | ₹2,63,554 | +7.6% |
| Year 5 (1 Oct 2021) | ₹3,05,000 | ₹5,00,199 | +64% |
| Year 6 (3 Oct 2022) | ₹3,65,000 | ₹5,50,201 | +50.7% |
| Year 7 (3 Oct 2023) | ₹4,25,000 | ₹7,09,662 | +67% |
| Year 8 (1 Oct 2024) | ₹4,85,000 | ₹10,24,934 | +111.3% |
| Year 9 (1 Oct 2025) | ₹5,45,000 | ₹10,47,749 | +92.2% |
| Year 10 (1 Oct 2026) | ₹6,05,000 | ₹10,64,646 | +76% |
Best year of the journey: Year 5 (+54.6% market move) · Toughest year: Year 10 (-3.9%)
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 3 Oct 2016 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.