₹10,000 Monthly SIP in SBI TECHNOLOGY OPPORTUNITIES FUND for 5 Years
If you had started a ₹10,000/month SIP on 6 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI TECHNOLOGY OPPORTUNITIES FUND's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,45,525
4 Sept 2026
Absolute gain
+₹1,35,525
+22.2%
XIRR (annualised)
8.05%
money-weighted
The journey, month by month
Worst fall on the way
-20.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,15,243
Modelled at historical FD rates. The fund beat FD by ₹30,282.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹1,30,000 | ₹1,18,406 | -8.9% |
| Year 2 (4 Sept 2023) | ₹2,50,000 | ₹2,81,981 | +12.8% |
| Year 3 (4 Sept 2024) | ₹3,70,000 | ₹5,28,115 | +42.7% |
| Year 4 (4 Sept 2025) | ₹4,90,000 | ₹6,58,355 | +34.4% |
| Year 5 (4 Sept 2026) | ₹6,10,000 | ₹7,45,525 | +22.2% |
Best year of the journey: Year 3 (+31.4% market move) · Toughest year: Year 1 (-8.9%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 2021 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.