What if you had invested ₹10 lakh in SBI Long Term Equity Fund five years ago and withdrawn ₹6,000 every month since? Replayed on real daily NAV history — no projections.
Note: this fund was renamed to SBI ELSS Tax Saver Fund; figures below use the current Direct Plan – Growth scheme.
| Scenario | Amount |
|---|---|
| Lump sum invested (5 years ago) | ₹10.00L |
| Total withdrawn (60 monthly payouts) | ₹3.60L |
| Still invested today | ₹14.35L |
| Withdrawn + remaining | ₹17.95L |
| XIRR of the full plan | 14.19% |
Computed 2026-10-03 from 3,393 daily NAVs (2013-01-02 → 2026-10-01). Withdrawals taken on the 10th of each month.
Change the lump sum, withdrawal amount or frequency — the full simulator runs in your browser on live NAV data.
Investing ₹10 lakh five years ago and withdrawing ₹6,000/month would have paid out ₹3.60L while leaving ₹14.35L still invested — an XIRR of 14.19%. The corpus was never depleted.
₹6,000/month on ₹10 lakh is 7.2% in year one. Whether a withdrawal rate is sustainable depends on the fund's long-run returns minus that rate — as a rule of thumb, staying at or under ~3% a year keeps a corpus growing in most markets. Test your own rate in the simulator.
The plan pays out whatever remains and ends — our simulator models this exactly, redeeming the leftover units instead of failing.
Each withdrawal is a redemption and taxed as capital gains — equity funds held over 12 months qualify for long-term treatment (12.5% above the ₹1.25L annual exemption, per current rules). This illustration is pre-tax.
Daily NAV history published under AMFI, fetched via mfapi.in, replayed with the same engine as our SWP simulator. A historical illustration, not a prediction.