₹10,000 Monthly SIP in SBI ELSS Tax Saver Fund for 10 Years
If you had started a ₹10,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI ELSS Tax Saver Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹27,97,193
4 Sept 2026
Absolute gain
+₹15,87,193
+131.2%
XIRR (annualised)
16.06%
money-weighted
The journey, month by month
Worst fall on the way
-34.5%
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
₹16,79,631
Modelled at historical FD rates. The fund beat FD by ₹11,17,562.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,42,675 | +9.7% |
| Year 2 (4 Sept 2018) | ₹2,50,000 | ₹2,73,896 | +9.6% |
| Year 3 (4 Sept 2019) | ₹3,70,000 | ₹3,60,254 | -2.6% |
| Year 4 (4 Sept 2020) | ₹4,90,000 | ₹5,25,649 | +7.3% |
| Year 5 (6 Sept 2021) | ₹6,10,000 | ₹9,65,001 | +58.2% |
| Year 6 (5 Sept 2022) | ₹7,30,000 | ₹11,50,572 | +57.6% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹15,92,392 | +87.3% |
| Year 8 (4 Sept 2024) | ₹9,70,000 | ₹26,27,922 | +170.9% |
| Year 9 (4 Sept 2025) | ₹10,90,000 | ₹26,82,164 | +146.1% |
| Year 10 (4 Sept 2026) | ₹12,10,000 | ₹27,97,193 | +131.2% |
Best year of the journey: Year 8 (+53.5% market move) · Toughest year: Year 3 (-8.5%)
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 ELSS Tax Saver Fund's published NAV (source: AMFI) between 6 Sept 2016 and 4 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.