₹25,000 Monthly SIP in SBI Short Horizon Debt Fund - Short Term Fund - Retail Dividend - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) for 5 Years
If you had started a ₹25,000/month SIP on 15 Sept 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹17,90,729
15 Sept 2026
Absolute gain
+₹2,65,729
+17.4%
XIRR (annualised)
6.37%
money-weighted
The journey, month by month
Worst fall on the way
-0.7%
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
₹17,91,096
Modelled at historical FD rates. The fund trailed FD by ₹367.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (15 Sept 2022) | ₹3,25,000 | ₹3,29,625 | +1.4% |
| Year 2 (15 Sept 2023) | ₹6,25,000 | ₹6,61,439 | +5.8% |
| Year 3 (16 Sept 2024) | ₹9,25,000 | ₹10,23,408 | +10.6% |
| Year 4 (15 Sept 2025) | ₹12,25,000 | ₹14,17,247 | +15.7% |
| Year 5 (15 Sept 2026) | ₹14,75,000 | ₹17,40,565 | +18% |
Best year of the journey: Year 4 (+7.1% market move) · Toughest year: Year 1 (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 - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)'s published NAV (source: AMFI) between 15 Sept 2021 and 15 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.