₹25,000 Monthly SIP in SBI TECHNOLOGY OPPORTUNITIES FUND for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹73,21,082
4 Sept 2026
Absolute gain
+₹42,96,082
+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
₹41,99,078
Modelled at historical FD rates. The fund beat FD by ₹31,22,004.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,21,556 | -1.1% |
| Year 2 (4 Sept 2018) | ₹6,25,000 | ₹8,51,609 | +36.3% |
| Year 3 (4 Sept 2019) | ₹9,25,000 | ₹11,96,916 | +29.4% |
| Year 4 (4 Sept 2020) | ₹12,25,000 | ₹17,02,991 | +39% |
| Year 5 (6 Sept 2021) | ₹15,25,000 | ₹38,57,309 | +152.9% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹36,72,354 | +101.2% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹48,91,689 | +130.2% |
| Year 8 (4 Sept 2024) | ₹24,25,000 | ₹69,91,179 | +188.3% |
| Year 9 (4 Sept 2025) | ₹27,25,000 | ₹73,96,139 | +171.4% |
| Year 10 (4 Sept 2026) | ₹30,25,000 | ₹73,21,082 | +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.