₹10,000 Monthly SIP in SBI Focused Fund for 5 Years
If you had started a ₹10,000/month SIP on 28 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI Focused Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹8,48,707
28 Sept 2026
Absolute gain
+₹2,38,707
+39.1%
XIRR (annualised)
13%
money-weighted
The journey, month by month
Worst fall on the way
-10.8%
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
₹7,18,213
Modelled at historical FD rates. The fund beat FD by ₹1,30,494.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2022) | ₹1,30,000 | ₹1,27,504 | -1.9% |
| Year 2 (29 Sept 2023) | ₹2,50,000 | ₹2,83,035 | +13.2% |
| Year 3 (30 Sept 2024) | ₹3,70,000 | ₹5,15,912 | +39.4% |
| Year 4 (29 Sept 2025) | ₹4,90,000 | ₹6,62,174 | +35.1% |
| Year 5 (28 Sept 2026) | ₹6,10,000 | ₹8,48,707 | +39.1% |
Best year of the journey: Year 3 (+28% market move) · Toughest year: Year 1 (-1.9%)
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 Focused Fund's published NAV (source: AMFI) between 28 Sept 2021 and 28 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.