₹10,000 Monthly SIP in Bank of India Large Cap Fund for 3 Years
If you had started a ₹10,000/month SIP on 18 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Bank of India Large Cap Fund's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,23,429
18 Aug 2026
Absolute gain
+₹53,429
+14.4%
XIRR (annualised)
8.93%
money-weighted
The journey, month by month
Worst fall on the way
-10.8%
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
₹4,12,023
Modelled at historical FD rates. The fund beat FD by ₹11,406.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹1,30,000 | ₹1,55,816 | +19.9% |
| Year 2 (18 Aug 2025) | ₹2,50,000 | ₹2,74,272 | +9.7% |
| Year 3 (18 Aug 2026) | ₹3,70,000 | ₹4,23,429 | +14.4% |
Best year of the journey: Year 1 (+19.9% market move) · Toughest year: Year 2 (-0.6%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Bank of India Large Cap Fund's published NAV (source: AMFI) between 18 Aug 2023 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.