₹10,000 Monthly SIP in SBI Large Cap Fund for 10 Years
If you had started a ₹10,000/month SIP on 7 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI Large Cap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹22,04,828
7 Oct 2026
Absolute gain
+₹9,94,828
+82.2%
XIRR (annualised)
11.58%
money-weighted
The journey, month by month
Worst fall on the way
-35.3%
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
₹16,79,369
Modelled at historical FD rates. The fund beat FD by ₹5,25,459.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,42,106 | +9.3% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,45,401 | -1.8% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,98,958 | +7.8% |
| Year 4 (7 Oct 2020) | ₹4,90,000 | ₹5,40,034 | +10.2% |
| Year 5 (7 Oct 2021) | ₹6,10,000 | ₹10,03,720 | +64.5% |
| Year 6 (7 Oct 2022) | ₹7,30,000 | ₹11,20,174 | +53.4% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹14,34,774 | +68.8% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹19,86,614 | +104.8% |
| Year 9 (7 Oct 2025) | ₹10,90,000 | ₹21,58,236 | +98% |
| Year 10 (7 Oct 2026) | ₹12,10,000 | ₹22,04,828 | +82.2% |
Best year of the journey: Year 5 (+52.1% market move) · Toughest year: Year 2 (-6.4%)
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 Large Cap Fund's published NAV (source: AMFI) between 7 Oct 2016 and 7 Oct 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.