₹25,000 Monthly SIP in SBI Large Cap Fund for 5 Years
If you had started a ₹25,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI Large Cap Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹18,25,410
1 Oct 2026
Absolute gain
+₹3,00,410
+19.7%
XIRR (annualised)
7.24%
money-weighted
The journey, month by month
Worst fall on the way
-12%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,88,943
Modelled at historical FD rates. The fund beat FD by ₹36,467.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹3,25,000 | ₹3,25,621 | +0.2% |
| Year 2 (3 Oct 2023) | ₹6,25,000 | ₹7,15,825 | +14.5% |
| Year 3 (1 Oct 2024) | ₹9,25,000 | ₹13,05,758 | +41.2% |
| Year 4 (1 Oct 2025) | ₹12,25,000 | ₹15,83,597 | +29.3% |
| Year 5 (1 Oct 2026) | ₹15,25,000 | ₹18,25,410 | +19.7% |
Best year of the journey: Year 3 (+28.5% market move) · Toughest year: Year 5 (-3.1%)
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 1 Oct 2021 and 1 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.