₹10,000 Monthly SIP in Axis Banking & PSU Debt Fund for 10 Years
If you had started a ₹10,000/month SIP on 12 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Axis Banking & PSU Debt Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹17,17,339
11 Sept 2026
Absolute gain
+₹5,07,339
+41.9%
XIRR (annualised)
6.82%
money-weighted
The journey, month by month
Worst fall on the way
-2.8%
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
₹16,81,586
Modelled at historical FD rates. The fund beat FD by ₹35,753.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹1,30,000 | ₹1,35,402 | +4.2% |
| Year 2 (11 Sept 2018) | ₹2,50,000 | ₹2,65,355 | +6.1% |
| Year 3 (11 Sept 2019) | ₹3,70,000 | ₹4,26,463 | +15.3% |
| Year 4 (11 Sept 2020) | ₹4,90,000 | ₹5,94,430 | +21.3% |
| Year 5 (13 Sept 2021) | ₹6,10,000 | ₹7,49,044 | +22.8% |
| Year 6 (12 Sept 2022) | ₹7,30,000 | ₹8,97,101 | +22.9% |
| Year 7 (11 Sept 2023) | ₹8,50,000 | ₹10,77,478 | +26.8% |
| Year 8 (11 Sept 2024) | ₹9,70,000 | ₹12,83,223 | +32.3% |
| Year 9 (11 Sept 2025) | ₹10,90,000 | ₹15,14,043 | +38.9% |
| Year 10 (11 Sept 2026) | ₹12,10,000 | ₹17,17,339 | +41.9% |
Best year of the journey: Year 3 (+10.7% market move) · Toughest year: Year 6 (3.2%)
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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Same SIP in other Banking & PSU funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Axis Banking & PSU Debt Fund's published NAV (source: AMFI) between 12 Sept 2016 and 11 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.