₹25,000 Monthly SIP in SBI Large Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 19 Sept 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
₹30,25,000
121 installments
Value today
₹56,84,927
18 Sept 2026
Absolute gain
+₹26,59,927
+87.9%
XIRR (annualised)
12.1%
money-weighted
The journey, month by month
Worst fall on the way
-35.4%
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
₹42,09,045
Modelled at historical FD rates. The fund beat FD by ₹14,75,882.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹3,25,000 | ₹3,68,236 | +13.3% |
| Year 2 (18 Sept 2018) | ₹6,25,000 | ₹6,84,833 | +9.6% |
| Year 3 (18 Sept 2019) | ₹9,25,000 | ₹9,73,534 | +5.2% |
| Year 4 (18 Sept 2020) | ₹12,25,000 | ₹13,49,442 | +10.2% |
| Year 5 (20 Sept 2021) | ₹15,25,000 | ₹24,64,025 | +61.6% |
| Year 6 (19 Sept 2022) | ₹18,25,000 | ₹28,69,636 | +57.2% |
| Year 7 (18 Sept 2023) | ₹21,25,000 | ₹37,06,233 | +74.4% |
| Year 8 (18 Sept 2024) | ₹24,25,000 | ₹51,20,257 | +111.1% |
| Year 9 (18 Sept 2025) | ₹27,25,000 | ₹55,35,165 | +103.1% |
| Year 10 (18 Sept 2026) | ₹30,25,000 | ₹56,84,927 | +87.9% |
Best year of the journey: Year 5 (+49.4% market move) · Toughest year: Year 10 (-2.6%)
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 19 Sept 2016 and 18 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.