₹25,000 Monthly SIP in SBI Focused Fund for 5 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹15,25,000
61 installments
Value today
₹22,33,915
18 Aug 2026
Absolute gain
+₹7,08,915
+46.5%
XIRR (annualised)
15.22%
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
₹17,90,398
Modelled at historical FD rates. The fund beat FD by ₹4,43,517.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹3,25,000 | ₹3,30,816 | +1.8% |
| Year 2 (18 Aug 2023) | ₹6,25,000 | ₹6,91,091 | +10.6% |
| Year 3 (19 Aug 2024) | ₹9,25,000 | ₹12,39,094 | +34% |
| Year 4 (18 Aug 2025) | ₹12,25,000 | ₹16,60,497 | +35.6% |
| Year 5 (18 Aug 2026) | ₹15,25,000 | ₹22,33,915 | +46.5% |
Best year of the journey: Year 3 (+25% market move) · Toughest year: Year 1 (1.8%)
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 18 Aug 2021 and 18 Aug 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.