₹5,000 Monthly SIP in SBI Focused Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹13,50,258
28 Sept 2026
Absolute gain
+₹7,45,258
+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
₹8,43,236
Modelled at historical FD rates. The fund beat FD by ₹5,07,022.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹65,000 | ₹72,157 | +11% |
| Year 2 (28 Sept 2018) | ₹1,25,000 | ₹1,36,744 | +9.4% |
| Year 3 (30 Sept 2019) | ₹1,85,000 | ₹2,22,359 | +20.2% |
| Year 4 (28 Sept 2020) | ₹2,45,000 | ₹2,82,046 | +15.1% |
| Year 5 (28 Sept 2021) | ₹3,05,000 | ₹5,53,028 | +81.3% |
| Year 6 (28 Sept 2022) | ₹3,65,000 | ₹5,92,916 | +62.4% |
| Year 7 (29 Sept 2023) | ₹4,25,000 | ₹7,57,739 | +78.3% |
| Year 8 (30 Sept 2024) | ₹4,85,000 | ₹10,73,098 | +121.3% |
| Year 9 (29 Sept 2025) | ₹5,45,000 | ₹11,75,871 | +115.8% |
| Year 10 (28 Sept 2026) | ₹6,05,000 | ₹13,50,258 | +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.