₹10,000 Monthly SIP in SBI Retirement Benefit Fund - Conservative Plan for 3 Years
If you had started a ₹10,000/month SIP on 25 Sept 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,97,735
24 Sept 2026
Absolute gain
+₹27,735
+7.5%
XIRR (annualised)
4.69%
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
₹4,12,495
Modelled at historical FD rates. The fund trailed FD by ₹14,760.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Sept 2024) | ₹1,30,000 | ₹1,40,861 | +8.4% |
| Year 2 (24 Sept 2025) | ₹2,50,000 | ₹2,69,191 | +7.7% |
| Year 3 (24 Sept 2026) | ₹3,70,000 | ₹3,97,735 | +7.5% |
Best year of the journey: Year 1 (+8.4% market move) · Toughest year: Year 3 (2.2%)
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 25 Sept 2023 and 24 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.