₹10,000 Monthly SIP in Bandhan Value Fund for 10 Years
If you had started a ₹10,000/month SIP on 5 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Bandhan Value Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹26,58,055
5 Oct 2026
Absolute gain
+₹14,48,055
+119.7%
XIRR (annualised)
15.1%
money-weighted
The journey, month by month
Worst fall on the way
-42%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
8
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,78,801
Modelled at historical FD rates. The fund beat FD by ₹9,79,254.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹1,30,000 | ₹1,55,940 | +20% |
| Year 2 (5 Oct 2018) | ₹2,50,000 | ₹2,43,922 | -2.4% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,41,666 | -7.7% |
| Year 4 (5 Oct 2020) | ₹4,90,000 | ₹4,87,455 | -0.5% |
| Year 5 (5 Oct 2021) | ₹6,10,000 | ₹10,96,060 | +79.7% |
| Year 6 (6 Oct 2022) | ₹7,30,000 | ₹13,14,867 | +80.1% |
| Year 7 (5 Oct 2023) | ₹8,50,000 | ₹17,39,506 | +104.6% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹25,44,636 | +162.3% |
| Year 9 (6 Oct 2025) | ₹10,90,000 | ₹26,35,248 | +141.8% |
| Year 10 (5 Oct 2026) | ₹12,10,000 | ₹26,58,055 | +119.7% |
Best year of the journey: Year 5 (+80.4% market move) · Toughest year: Year 2 (-11.6%)
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 Value / Contra funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Bandhan Value Fund's published NAV (source: AMFI) between 5 Oct 2016 and 5 Oct 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.