₹25,000 Monthly SIP in DSP Banking & PSU Debt Fund for 5 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹15,25,000
61 installments
Value today
₹18,08,309
18 Aug 2026
Absolute gain
+₹2,83,309
+18.6%
XIRR (annualised)
6.74%
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
₹17,90,368
Modelled at historical FD rates. The fund beat FD by ₹17,941.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹3,25,000 | ₹3,30,300 | +1.6% |
| Year 2 (18 Aug 2023) | ₹6,25,000 | ₹6,60,972 | +5.8% |
| Year 3 (19 Aug 2024) | ₹9,25,000 | ₹10,29,282 | +11.3% |
| Year 4 (18 Aug 2025) | ₹12,25,000 | ₹14,24,297 | +16.3% |
| Year 5 (18 Aug 2026) | ₹15,25,000 | ₹18,08,309 | +18.6% |
Best year of the journey: Year 4 (+7.1% market move) · Toughest year: Year 1 (1.6%)
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 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.