₹1,000 Monthly SIP in SBI Retirement Benefit Fund - Conservative Plan 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 Retirement Benefit Fund - Conservative Plan's actual NAV for all 36 installments.
You invested
₹36,000
36 installments
Value today
₹38,454
30 Sept 2026
Absolute gain
+₹2,454
+6.8%
XIRR (annualised)
4.34%
money-weighted
The journey, month by month
Worst fall on the way
-3.9%
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
₹40,069
Modelled at historical FD rates. The fund trailed FD by ₹1,615.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹12,000 | ₹12,947 | +7.9% |
| Year 2 (30 Sept 2025) | ₹24,000 | ₹25,650 | +6.9% |
| Year 3 (30 Sept 2026) | ₹36,000 | ₹38,454 | +6.8% |
Best year of the journey: Year 1 (+7.9% market move) · Toughest year: Year 3 (2.1%)
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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Same SIP in other Retirement funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using SBI Retirement Benefit Fund - Conservative Plan's published NAV (source: AMFI) between 3 Oct 2023 and 30 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.