₹25,000 Monthly SIP in SBI Focused Fund for 3 Years
If you had started a ₹25,000/month SIP on 1 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI Focused Fund's actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹11,41,706
1 Sept 2026
Absolute gain
+₹2,16,706
+23.4%
XIRR (annualised)
14.52%
money-weighted
The journey, month by month
Worst fall on the way
-9.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹10,27,020
Modelled at historical FD rates. The fund beat FD by ₹1,14,686.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2024) | ₹3,25,000 | ₹3,77,124 | +16% |
| Year 2 (1 Sept 2025) | ₹6,25,000 | ₹7,10,393 | +13.7% |
| Year 3 (1 Sept 2026) | ₹9,25,000 | ₹11,41,706 | +23.4% |
Best year of the journey: Year 1 (+16% market move) · Toughest year: Year 2 (4.9%)
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 2023 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.