₹2,000 Monthly SIP in SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) for 10 Years
If you had started a ₹2,000/month SIP on 12 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)'s actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹3,16,282
11 Sept 2026
Absolute gain
+₹74,282
+30.7%
XIRR (annualised)
5.24%
money-weighted
The journey, month by month
Worst fall on the way
-2.6%
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
₹3,36,286
Modelled at historical FD rates. The fund trailed FD by ₹20,004.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹26,000 | ₹25,996 | +0% |
| Year 2 (11 Sept 2018) | ₹50,000 | ₹49,914 | -0.2% |
| Year 3 (11 Sept 2019) | ₹74,000 | ₹73,973 | +0% |
| Year 4 (11 Sept 2020) | ₹98,000 | ₹1,02,214 | +4.3% |
| Year 5 (13 Sept 2021) | ₹1,22,000 | ₹1,31,880 | +8.1% |
| Year 6 (12 Sept 2022) | ₹1,46,000 | ₹1,59,565 | +9.3% |
| Year 7 (11 Sept 2023) | ₹1,70,000 | ₹1,94,485 | +14.4% |
| Year 8 (11 Sept 2024) | ₹1,94,000 | ₹2,33,845 | +20.5% |
| Year 9 (11 Sept 2025) | ₹2,18,000 | ₹2,78,064 | +27.6% |
| Year 10 (11 Sept 2026) | ₹2,38,000 | ₹3,12,264 | +31.2% |
Best year of the journey: Year 9 (+7.8% market move) · Toughest year: Year 2 (-0.2%)
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 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 - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)'s published NAV (source: AMFI) between 12 Sept 2016 and 11 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.