₹10,000 Monthly SIP in ICICI Prudential India Opportunities Fund for 5 Years
If you had started a ₹10,000/month SIP on 31 Aug 2021 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential India Opportunities Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹9,20,480
31 Aug 2026
Absolute gain
+₹3,10,480
+50.9%
XIRR (annualised)
16.21%
money-weighted
The journey, month by month
Worst fall on the way
-11.4%
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
₹7,17,761
Modelled at historical FD rates. The fund beat FD by ₹2,02,719.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹1,40,000 | ₹1,54,939 | +10.7% |
| Year 2 (31 Aug 2023) | ₹2,50,000 | ₹3,23,664 | +29.5% |
| Year 3 (2 Sept 2024) | ₹3,80,000 | ₹6,44,079 | +69.5% |
| Year 4 (1 Sept 2025) | ₹5,00,000 | ₹7,74,081 | +54.8% |
| Year 5 (31 Aug 2026) | ₹6,10,000 | ₹9,20,480 | +50.9% |
Best year of the journey: Year 3 (+42% market move) · Toughest year: Year 4 (1.3%)
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 ICICI Prudential India Opportunities 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.