₹1,000 Monthly SIP in DSP Banking & PSU Debt Fund for 5 Years
If you had started a ₹1,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using DSP Banking & PSU Debt Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹71,313
1 Oct 2026
Absolute gain
+₹10,313
+16.9%
XIRR (annualised)
6.28%
money-weighted
The journey, month by month
Worst fall on the way
-1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,557
Modelled at historical FD rates. The fund trailed FD by ₹244.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹13,000 | ₹13,171 | +1.3% |
| Year 2 (3 Oct 2023) | ₹25,000 | ₹26,467 | +5.9% |
| Year 3 (1 Oct 2024) | ₹37,000 | ₹41,511 | +12.2% |
| Year 4 (1 Oct 2025) | ₹49,000 | ₹56,816 | +16% |
| Year 5 (1 Oct 2026) | ₹61,000 | ₹71,313 | +16.9% |
Best year of the journey: Year 3 (+7.9% market move) · Toughest year: Year 1 (1.3%)
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 DSP Banking & PSU Debt Fund's published NAV (source: AMFI) between 1 Oct 2021 and 1 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.