₹1,000 Monthly SIP in SBI TECHNOLOGY OPPORTUNITIES FUND for 10 Years
If you had started a ₹1,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI TECHNOLOGY OPPORTUNITIES FUND's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,92,843
4 Sept 2026
Absolute gain
+₹1,71,843
+142%
XIRR (annualised)
16.91%
money-weighted
The journey, month by month
Worst fall on the way
-28.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,963
Modelled at historical FD rates. The fund beat FD by ₹1,24,880.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹13,000 | ₹12,862 | -1.1% |
| Year 2 (4 Sept 2018) | ₹25,000 | ₹34,064 | +36.3% |
| Year 3 (4 Sept 2019) | ₹37,000 | ₹47,877 | +29.4% |
| Year 4 (4 Sept 2020) | ₹49,000 | ₹68,120 | +39% |
| Year 5 (6 Sept 2021) | ₹61,000 | ₹1,54,292 | +152.9% |
| Year 6 (5 Sept 2022) | ₹73,000 | ₹1,46,894 | +101.2% |
| Year 7 (4 Sept 2023) | ₹85,000 | ₹1,95,668 | +130.2% |
| Year 8 (4 Sept 2024) | ₹97,000 | ₹2,79,647 | +188.3% |
| Year 9 (4 Sept 2025) | ₹1,09,000 | ₹2,95,846 | +171.4% |
| Year 10 (4 Sept 2026) | ₹1,21,000 | ₹2,92,843 | +142% |
Best year of the journey: Year 5 (+92.6% market move) · Toughest year: Year 6 (-11.7%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using SBI TECHNOLOGY OPPORTUNITIES FUND's published NAV (source: AMFI) between 6 Sept 2016 and 4 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.