₹25,000 Monthly SIP in SBI Healthcare Opportunities Fund for 10 Years
If you had started a ₹25,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI Healthcare Opportunities Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹90,69,375
3 Sept 2026
Absolute gain
+₹60,44,375
+199.8%
XIRR (annualised)
20.9%
money-weighted
The journey, month by month
Worst fall on the way
-20.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,98,359
Modelled at historical FD rates. The fund beat FD by ₹48,71,016.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹2,96,137 | -8.9% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹6,52,132 | +4.3% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹8,35,944 | -9.6% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹16,98,193 | +38.6% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹27,34,969 | +79.3% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹27,89,782 | +52.9% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹40,15,264 | +89% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹63,69,188 | +162.6% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹71,33,377 | +161.8% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹90,69,375 | +199.8% |
Best year of the journey: Year 4 (+49.5% market move) · Toughest year: Year 3 (-12.2%)
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 Healthcare Opportunities Fund's published NAV (source: AMFI) between 6 Sept 2016 and 3 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.