₹10,000 Monthly SIP in SBI CONTRA FUND for 10 Years
If you had started a ₹10,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI CONTRA FUND's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹30,50,549
1 Sept 2026
Absolute gain
+₹18,40,549
+152.1%
XIRR (annualised)
17.7%
money-weighted
The journey, month by month
Worst fall on the way
-33.6%
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
₹16,78,786
Modelled at historical FD rates. The fund beat FD by ₹13,71,763.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹1,30,000 | ₹1,45,140 | +11.6% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,73,797 | +9.5% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,36,370 | -9.1% |
| Year 4 (1 Sept 2020) | ₹4,90,000 | ₹5,06,984 | +3.5% |
| Year 5 (1 Sept 2021) | ₹6,10,000 | ₹10,54,687 | +72.9% |
| Year 6 (1 Sept 2022) | ₹7,30,000 | ₹13,82,461 | +89.4% |
| Year 7 (1 Sept 2023) | ₹8,50,000 | ₹18,97,767 | +123.3% |
| Year 8 (2 Sept 2024) | ₹9,70,000 | ₹29,21,516 | +201.2% |
| Year 9 (1 Sept 2025) | ₹10,90,000 | ₹29,04,072 | +166.4% |
| Year 10 (1 Sept 2026) | ₹12,10,000 | ₹30,50,549 | +152.1% |
Best year of the journey: Year 5 (+68.2% market move) · Toughest year: Year 3 (-14.6%)
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 CONTRA FUND's published NAV (source: AMFI) between 1 Sept 2016 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.