₹2,000 Monthly SIP in SBI COMMA Fund for 5 Years
If you had started a ₹2,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI COMMA Fund's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,74,370
1 Sept 2026
Absolute gain
+₹52,370
+42.9%
XIRR (annualised)
14.46%
money-weighted
The journey, month by month
Worst fall on the way
-15.3%
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
₹1,42,975
Modelled at historical FD rates. The fund beat FD by ₹31,395.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹26,000 | ₹25,711 | -1.1% |
| Year 2 (1 Sept 2023) | ₹50,000 | ₹55,224 | +10.4% |
| Year 3 (2 Sept 2024) | ₹74,000 | ₹1,08,085 | +46.1% |
| Year 4 (1 Sept 2025) | ₹98,000 | ₹1,28,344 | +31% |
| Year 5 (1 Sept 2026) | ₹1,22,000 | ₹1,74,370 | +42.9% |
Best year of the journey: Year 3 (+36.4% market move) · Toughest year: Year 4 (-2.8%)
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 1 Sept 2021 and 1 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.