₹2,000 Monthly SIP in SBI COMMA Fund for 10 Years
If you had started a ₹2,000/month SIP on 2 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI COMMA Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹5,71,755
2 Sept 2026
Absolute gain
+₹3,29,755
+136.3%
XIRR (annualised)
16.48%
money-weighted
The journey, month by month
Worst fall on the way
-31.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,35,814
Modelled at historical FD rates. The fund beat FD by ₹2,35,941.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹26,000 | ₹29,092 | +11.9% |
| Year 2 (3 Sept 2018) | ₹50,000 | ₹53,143 | +6.3% |
| Year 3 (3 Sept 2019) | ₹74,000 | ₹68,641 | -7.2% |
| Year 4 (2 Sept 2020) | ₹98,000 | ₹1,16,958 | +19.3% |
| Year 5 (2 Sept 2021) | ₹1,22,000 | ₹2,29,469 | +88.1% |
| Year 6 (2 Sept 2022) | ₹1,46,000 | ₹2,48,324 | +70.1% |
| Year 7 (4 Sept 2023) | ₹1,70,000 | ₹3,07,181 | +80.7% |
| Year 8 (2 Sept 2024) | ₹1,94,000 | ₹4,64,740 | +139.6% |
| Year 9 (2 Sept 2025) | ₹2,18,000 | ₹4,73,365 | +117.1% |
| Year 10 (2 Sept 2026) | ₹2,42,000 | ₹5,71,755 | +136.3% |
Best year of the journey: Year 5 (+62.8% market move) · Toughest year: Year 3 (-11%)
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 COMMA Fund's published NAV (source: AMFI) between 2 Sept 2016 and 2 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.