₹10,000 Monthly SIP in SBI Retirement Benefit Fund - Conservative Plan for 5 Years
If you had started a ₹10,000/month SIP on 30 Sept 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,16,137
30 Sept 2026
Absolute gain
+₹1,06,137
+17.4%
XIRR (annualised)
6.26%
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
₹7,18,449
Modelled at historical FD rates. The fund trailed FD by ₹2,312.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2022) | ₹1,30,000 | ₹1,34,559 | +3.5% |
| Year 2 (3 Oct 2023) | ₹2,60,000 | ₹2,85,182 | +9.7% |
| Year 3 (30 Sept 2024) | ₹3,70,000 | ₹4,42,633 | +19.6% |
| Year 4 (30 Sept 2025) | ₹4,90,000 | ₹5,80,101 | +18.4% |
| Year 5 (30 Sept 2026) | ₹6,10,000 | ₹7,16,137 | +17.4% |
Best year of the journey: Year 3 (+12% market move) · Toughest year: Year 5 (2.3%)
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 30 Sept 2021 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.