₹2,000 Monthly SIP in DSP Banking & PSU Debt Fund for 10 Years
If you had started a ₹2,000/month SIP on 18 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using DSP Banking & PSU Debt Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹3,43,570
18 Aug 2026
Absolute gain
+₹1,01,570
+42%
XIRR (annualised)
6.81%
money-weighted
The journey, month by month
Worst fall on the way
-3.1%
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
₹3,36,884
Modelled at historical FD rates. The fund beat FD by ₹6,686.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹26,000 | ₹27,151 | +4.4% |
| Year 2 (20 Aug 2018) | ₹50,000 | ₹52,862 | +5.7% |
| Year 3 (19 Aug 2019) | ₹74,000 | ₹83,811 | +13.3% |
| Year 4 (18 Aug 2020) | ₹98,000 | ₹1,18,807 | +21.2% |
| Year 5 (18 Aug 2021) | ₹1,22,000 | ₹1,49,743 | +22.7% |
| Year 6 (18 Aug 2022) | ₹1,46,000 | ₹1,78,235 | +22.1% |
| Year 7 (18 Aug 2023) | ₹1,70,000 | ₹2,14,107 | +25.9% |
| Year 8 (19 Aug 2024) | ₹1,94,000 | ₹2,56,982 | +32.5% |
| Year 9 (18 Aug 2025) | ₹2,18,000 | ₹3,02,898 | +38.9% |
| Year 10 (18 Aug 2026) | ₹2,42,000 | ₹3,43,570 | +42% |
Best year of the journey: Year 4 (+10.2% market move) · Toughest year: Year 6 (2.6%)
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 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 18 Aug 2016 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.