₹25,000 Monthly SIP in SBI Focused Fund for 10 Years
If you had started a ₹25,000/month SIP on 28 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
₹30,25,000
121 installments
Value today
₹67,51,289
28 Sept 2026
Absolute gain
+₹37,26,289
+123.2%
XIRR (annualised)
15.23%
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
₹42,16,181
Modelled at historical FD rates. The fund beat FD by ₹25,35,108.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹3,25,000 | ₹3,60,786 | +11% |
| Year 2 (28 Sept 2018) | ₹6,25,000 | ₹6,83,721 | +9.4% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹11,11,794 | +20.2% |
| Year 4 (28 Sept 2020) | ₹12,25,000 | ₹14,10,232 | +15.1% |
| Year 5 (28 Sept 2021) | ₹15,25,000 | ₹27,65,142 | +81.3% |
| Year 6 (28 Sept 2022) | ₹18,25,000 | ₹29,64,581 | +62.4% |
| Year 7 (29 Sept 2023) | ₹21,25,000 | ₹37,88,696 | +78.3% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹53,65,489 | +121.3% |
| Year 9 (29 Sept 2025) | ₹27,25,000 | ₹58,79,353 | +115.8% |
| Year 10 (28 Sept 2026) | ₹30,25,000 | ₹67,51,289 | +123.2% |
Best year of the journey: Year 5 (+61.7% market move) · Toughest year: Year 6 (-3.3%)
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 2016 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.