₹5,000 Monthly SIP in Bank of India Large Cap Fund for 5 Years
If you had started a ₹5,000/month SIP on 18 Aug 2021 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 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹4,13,276
18 Aug 2026
Absolute gain
+₹1,08,276
+35.5%
XIRR (annualised)
12.07%
money-weighted
The journey, month by month
Worst fall on the way
-15.8%
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
₹3,58,080
Modelled at historical FD rates. The fund beat FD by ₹55,196.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹65,000 | ₹66,857 | +2.9% |
| Year 2 (18 Aug 2023) | ₹1,25,000 | ₹1,37,069 | +9.7% |
| Year 3 (19 Aug 2024) | ₹1,85,000 | ₹2,69,207 | +45.5% |
| Year 4 (18 Aug 2025) | ₹2,45,000 | ₹3,22,746 | +31.7% |
| Year 5 (18 Aug 2026) | ₹3,05,000 | ₹4,13,276 | +35.5% |
Best year of the journey: Year 3 (+36.6% market move) · Toughest year: Year 4 (-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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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 2021 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.