₹5,000 Monthly SIP in SBI TECHNOLOGY OPPORTUNITIES FUND for 10 Years
If you had started a ₹5,000/month SIP on 4 Jul 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
₹6,05,000
121 installments
Value today
₹13,56,703
3 Jul 2026
Absolute gain
+₹7,51,703
+124.2%
XIRR (annualised)
15.51%
money-weighted
The journey, month by month
Worst fall on the way
-28.6%
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
₹8,40,501
Modelled at historical FD rates. The fund beat FD by ₹5,16,202.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹65,000 | ₹64,217 | -1.2% |
| Year 2 (3 Jul 2018) | ₹1,25,000 | ₹1,62,987 | +30.4% |
| Year 3 (3 Jul 2019) | ₹1,85,000 | ₹2,37,128 | +28.2% |
| Year 4 (3 Jul 2020) | ₹2,45,000 | ₹3,10,938 | +26.9% |
| Year 5 (5 Jul 2021) | ₹3,05,000 | ₹6,75,104 | +121.3% |
| Year 6 (4 Jul 2022) | ₹3,65,000 | ₹7,39,009 | +102.5% |
| Year 7 (3 Jul 2023) | ₹4,25,000 | ₹9,20,868 | +116.7% |
| Year 8 (3 Jul 2024) | ₹4,85,000 | ₹12,86,291 | +165.2% |
| Year 9 (3 Jul 2025) | ₹5,45,000 | ₹15,55,822 | +185.5% |
| Year 10 (3 Jul 2026) | ₹6,05,000 | ₹13,56,703 | +124.2% |
Best year of the journey: Year 5 (+82% market move) · Toughest year: Year 10 (-16%)
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 4 Jul 2016 and 3 Jul 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.