₹25,000 Monthly SIP in SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW) for 20 Years
If you had started a ₹25,000/month SIP on 2 Aug 2007 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 229 installments.
You invested
₹57,25,000
229 installments
Value today
₹∞
7 Aug 2026
Absolute gain
+₹∞
+Infinity%
XIRR (annualised)
0%
money-weighted
The journey, month by month
Worst fall on the way
0%
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
₹1,29,55,391
Modelled at historical FD rates. The fund beat FD by ₹∞.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2007) | ₹25,000 | ₹NaN | NaN% |
| Year 2 (7 Aug 2008) | ₹3,25,000 | ₹NaN | NaN% |
| Year 3 (7 Aug 2009) | ₹6,25,000 | ₹∞ | +Infinity% |
| Year 4 (9 Aug 2010) | ₹9,25,000 | ₹∞ | +Infinity% |
| Year 5 (8 Aug 2011) | ₹12,25,000 | ₹∞ | +Infinity% |
| Year 6 (7 Aug 2012) | ₹15,25,000 | ₹∞ | +Infinity% |
| Year 7 (7 Aug 2013) | ₹18,25,000 | ₹∞ | +Infinity% |
| Year 8 (7 Aug 2014) | ₹21,25,000 | ₹∞ | +Infinity% |
| Year 9 (7 Aug 2015) | ₹24,25,000 | ₹∞ | +Infinity% |
| Year 10 (8 Aug 2016) | ₹27,25,000 | ₹∞ | +Infinity% |
| Year 11 (7 Aug 2017) | ₹30,25,000 | ₹∞ | +Infinity% |
| Year 12 (7 Aug 2018) | ₹33,25,000 | ₹∞ | +Infinity% |
| Year 13 (7 Aug 2019) | ₹36,25,000 | ₹∞ | +Infinity% |
| Year 14 (7 Aug 2020) | ₹39,25,000 | ₹∞ | +Infinity% |
| Year 15 (9 Aug 2021) | ₹42,25,000 | ₹∞ | +Infinity% |
| Year 16 (8 Aug 2022) | ₹45,25,000 | ₹∞ | +Infinity% |
| Year 17 (7 Aug 2023) | ₹48,25,000 | ₹∞ | +Infinity% |
| Year 18 (7 Aug 2024) | ₹51,25,000 | ₹∞ | +Infinity% |
| Year 19 (7 Aug 2025) | ₹54,25,000 | ₹∞ | +Infinity% |
| Year 20 (7 Aug 2026) | ₹56,75,000 | ₹∞ | +Infinity% |
Best year of the journey: Year 1 (NaN% market move) · Toughest year: Year 1 (NaN%)
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 2 Aug 2007 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.