₹1,000 Monthly SIP in SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW) for 3 Years
If you had started a ₹1,000/month SIP on 7 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)'s actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹40,924
7 Aug 2026
Absolute gain
+₹3,924
+10.6%
XIRR (annualised)
6.8%
money-weighted
The journey, month by month
Worst fall on the way
-0.4%
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
₹41,105
Modelled at historical FD rates. The fund trailed FD by ₹181.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2024) | ₹13,000 | ₹13,517 | +4% |
| Year 2 (7 Aug 2025) | ₹25,000 | ₹27,194 | +8.8% |
| Year 3 (7 Aug 2026) | ₹35,000 | ₹38,915 | +11.2% |
Best year of the journey: Year 2 (+6.6% market move) · Toughest year: Year 1 (4%)
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 Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)'s published NAV (source: AMFI) between 7 Aug 2023 and 7 Aug 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.