₹25,000 Monthly SIP in DSP Banking & PSU Debt Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹42,94,628
18 Aug 2026
Absolute gain
+₹12,69,628
+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
₹42,11,048
Modelled at historical FD rates. The fund beat FD by ₹83,580.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,39,390 | +4.4% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹6,60,781 | +5.7% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹10,47,639 | +13.3% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹14,85,086 | +21.2% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹18,71,789 | +22.7% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹22,27,944 | +22.1% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹26,76,336 | +25.9% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹32,12,279 | +32.5% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹37,86,228 | +38.9% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹42,94,628 | +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.