₹10,000 Monthly SIP in DSP Banking & PSU Debt Fund for 3 Years
If you had started a ₹10,000/month SIP on 29 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using DSP Banking & PSU Debt Fund's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,04,824
28 Sept 2026
Absolute gain
+₹34,824
+9.4%
XIRR (annualised)
5.81%
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
₹4,12,790
Modelled at historical FD rates. The fund trailed FD by ₹7,966.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹1,30,000 | ₹1,37,539 | +5.8% |
| Year 2 (29 Sept 2025) | ₹2,50,000 | ₹2,71,449 | +8.6% |
| Year 3 (28 Sept 2026) | ₹3,70,000 | ₹4,04,824 | +9.4% |
Best year of the journey: Year 1 (+5.8% market move) · Toughest year: Year 3 (3.4%)
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
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 29 Sept 2023 and 28 Sept 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.