₹25,000 Monthly SIP in Franklin India Focused Equity Fund for 5 Years
If you had started a ₹25,000/month SIP on 31 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Focused Equity Fund's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹19,27,901
31 Aug 2026
Absolute gain
+₹4,02,901
+26.4%
XIRR (annualised)
9.17%
money-weighted
The journey, month by month
Worst fall on the way
-13.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,94,403
Modelled at historical FD rates. The fund beat FD by ₹1,33,498.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹3,50,000 | ₹3,72,233 | +6.4% |
| Year 2 (31 Aug 2023) | ₹6,25,000 | ₹7,41,147 | +18.6% |
| Year 3 (2 Sept 2024) | ₹9,50,000 | ₹14,34,002 | +50.9% |
| Year 4 (1 Sept 2025) | ₹12,50,000 | ₹17,16,592 | +37.3% |
| Year 5 (31 Aug 2026) | ₹15,25,000 | ₹19,27,901 | +26.4% |
Best year of the journey: Year 3 (+34.5% market move) · Toughest year: Year 5 (-3.2%)
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 Franklin India Focused Equity Fund's published NAV (source: AMFI) between 31 Aug 2021 and 31 Aug 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.