₹5,000 Monthly SIP in SBI Healthcare Opportunities Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹18,13,875
3 Sept 2026
Absolute gain
+₹12,08,875
+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
₹8,39,672
Modelled at historical FD rates. The fund beat FD by ₹9,74,203.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹65,000 | ₹59,227 | -8.9% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,30,426 | +4.3% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹1,67,189 | -9.6% |
| Year 4 (3 Sept 2020) | ₹2,45,000 | ₹3,39,639 | +38.6% |
| Year 5 (3 Sept 2021) | ₹3,05,000 | ₹5,46,994 | +79.3% |
| Year 6 (5 Sept 2022) | ₹3,65,000 | ₹5,57,956 | +52.9% |
| Year 7 (4 Sept 2023) | ₹4,25,000 | ₹8,03,053 | +89% |
| Year 8 (3 Sept 2024) | ₹4,85,000 | ₹12,73,838 | +162.6% |
| Year 9 (3 Sept 2025) | ₹5,45,000 | ₹14,26,675 | +161.8% |
| Year 10 (3 Sept 2026) | ₹6,05,000 | ₹18,13,875 | +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.