₹10,000 Monthly SIP in SBI Focused 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 Focused Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹28,12,134
1 Sept 2026
Absolute gain
+₹16,02,134
+132.4%
XIRR (annualised)
16.18%
money-weighted
The journey, month by month
Worst fall on the way
-31.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
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 ₹11,33,348.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹1,30,000 | ₹1,45,601 | +12% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹3,00,169 | +20.1% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹4,08,922 | +10.5% |
| Year 4 (1 Sept 2020) | ₹4,90,000 | ₹5,93,630 | +21.1% |
| Year 5 (1 Sept 2021) | ₹6,10,000 | ₹10,75,484 | +76.3% |
| Year 6 (1 Sept 2022) | ₹7,30,000 | ₹11,99,446 | +64.3% |
| Year 7 (1 Sept 2023) | ₹8,50,000 | ₹14,95,283 | +75.9% |
| Year 8 (2 Sept 2024) | ₹9,70,000 | ₹20,90,367 | +115.5% |
| Year 9 (1 Sept 2025) | ₹10,90,000 | ₹23,20,509 | +112.9% |
| Year 10 (1 Sept 2026) | ₹12,10,000 | ₹28,12,134 | +132.4% |
Best year of the journey: Year 5 (+50.7% market move) · Toughest year: Year 3 (-2.7%)
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 Focused 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.