₹5,000 Monthly SIP in BANDHAN Balanced Advantage Fund Regular Plan IDCW for 10 Years
If you had started a ₹5,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using BANDHAN Balanced Advantage Fund Regular Plan IDCW's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹7,02,643
18 Aug 2026
Absolute gain
+₹97,643
+16.1%
XIRR (annualised)
2.94%
money-weighted
The journey, month by month
Worst fall on the way
-24.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹8,42,152
Modelled at historical FD rates. The fund trailed FD by ₹1,39,509.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹65,000 | ₹66,566 | +2.4% |
| Year 2 (20 Aug 2018) | ₹1,25,000 | ₹1,28,676 | +2.9% |
| Year 3 (19 Aug 2019) | ₹1,85,000 | ₹1,82,096 | -1.6% |
| Year 4 (18 Aug 2020) | ₹2,45,000 | ₹2,59,457 | +5.9% |
| Year 5 (18 Aug 2021) | ₹3,05,000 | ₹3,68,907 | +21% |
| Year 6 (18 Aug 2022) | ₹3,65,000 | ₹4,24,304 | +16.2% |
| Year 7 (18 Aug 2023) | ₹4,25,000 | ₹4,89,239 | +15.1% |
| Year 8 (19 Aug 2024) | ₹4,85,000 | ₹6,27,300 | +29.3% |
| Year 9 (18 Aug 2025) | ₹5,45,000 | ₹6,70,574 | +23% |
| Year 10 (18 Aug 2026) | ₹5,95,000 | ₹6,92,476 | +16.4% |
Best year of the journey: Year 5 (+15.5% market move) · Toughest year: Year 10 (-3.9%)
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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Same SIP in other Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using BANDHAN Balanced Advantage Fund Regular Plan IDCW's published NAV (source: AMFI) between 18 Aug 2016 and 18 Aug 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.