₹2,000 Monthly SIP in SBI Focused Fund for 10 Years
If you had started a ₹2,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI Focused Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹5,39,211
29 Sept 2026
Absolute gain
+₹2,97,211
+122.8%
XIRR (annualised)
15.19%
money-weighted
The journey, month by month
Worst fall on the way
-31.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,37,352
Modelled at historical FD rates. The fund beat FD by ₹2,01,859.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹26,000 | ₹29,138 | +12.1% |
| Year 2 (1 Oct 2018) | ₹52,000 | ₹56,462 | +8.6% |
| Year 3 (30 Sept 2019) | ₹74,000 | ₹89,021 | +20.3% |
| Year 4 (29 Sept 2020) | ₹98,000 | ₹1,13,101 | +15.4% |
| Year 5 (29 Sept 2021) | ₹1,22,000 | ₹2,20,317 | +80.6% |
| Year 6 (29 Sept 2022) | ₹1,46,000 | ₹2,37,383 | +62.6% |
| Year 7 (29 Sept 2023) | ₹1,70,000 | ₹3,03,241 | +78.4% |
| Year 8 (30 Sept 2024) | ₹1,94,000 | ₹4,29,431 | +121.4% |
| Year 9 (29 Sept 2025) | ₹2,18,000 | ₹4,70,547 | +115.8% |
| Year 10 (29 Sept 2026) | ₹2,42,000 | ₹5,39,211 | +122.8% |
Best year of the journey: Year 5 (+60.7% market move) · Toughest year: Year 6 (-2.8%)
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 29 Sept 2016 and 29 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.