₹1,000 Monthly SIP in SBI Multicap Fund for 3 Years
If you had started a ₹1,000/month SIP on 3 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI Multicap Fund's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹39,721
1 Oct 2026
Absolute gain
+₹2,721
+7.4%
XIRR (annualised)
4.79%
money-weighted
The journey, month by month
Worst fall on the way
-9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,077
Modelled at historical FD rates. The fund trailed FD by ₹1,356.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2024) | ₹13,000 | ₹15,933 | +22.6% |
| Year 2 (1 Oct 2025) | ₹25,000 | ₹28,362 | +13.4% |
| Year 3 (1 Oct 2026) | ₹37,000 | ₹39,721 | +7.4% |
Best year of the journey: Year 1 (+22.6% market move) · Toughest year: Year 3 (-1.6%)
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 Multicap Fund's published NAV (source: AMFI) between 3 Oct 2023 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.