What would a ₹25,000 monthly SIP in Axis Banking & PSU Debt Fund be worth after 3 years?

Based on real NAV history from 22 Sept 2023 to 22 Sept 2026, a ₹25,000/month SIP (37 installments, ₹9,25,000 invested) would be worth ₹10,21,517 — an XIRR of 6.49%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹10,30,873. The fund trailed FD by ₹9,356.

How risky was this journey?

The portfolio fell up to 0.5% from its peak at the worst point, and survived 0 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹25,000 Monthly SIP in Axis Banking & PSU Debt Fund for 3 Years

If you had started a ₹25,000/month SIP on 22 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using Axis Banking & PSU Debt Fund's actual NAV for all 37 installments.

You invested

₹9,25,000

37 installments

Value today

₹10,21,517

22 Sept 2026

Absolute gain

+₹96,517

+10.4%

XIRR (annualised)

6.49%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-0.5%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹10,30,873

Modelled at historical FD rates. The fund trailed FD by ₹9,356.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (23 Sept 2024)	₹3,25,000	₹3,39,721	+4.5%
Year 2 (22 Sept 2025)	₹6,25,000	₹6,78,659	+8.6%
Year 3 (22 Sept 2026)	₹9,25,000	₹10,21,517	+10.4%

Best year of the journey: Year 2 (+6.1% market move) · Toughest year: Year 3 (4.4%)

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 22 Sept 2023 and 22 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.