₹25,000 Monthly SIP in Franklin India Banking & PSU Debt Fund for 10 Years
If you had started a ₹25,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Banking & PSU Debt Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹43,49,132
4 Sept 2026
Absolute gain
+₹13,24,132
+43.8%
XIRR (annualised)
7.1%
money-weighted
The journey, month by month
Worst fall on the way
-3.7%
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
₹41,98,981
Modelled at historical FD rates. The fund beat FD by ₹1,50,151.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,38,499 | +4.2% |
| Year 2 (4 Sept 2018) | ₹6,25,000 | ₹6,60,535 | +5.7% |
| Year 3 (4 Sept 2019) | ₹9,25,000 | ₹10,64,244 | +15.1% |
| Year 4 (4 Sept 2020) | ₹12,25,000 | ₹14,85,064 | +21.2% |
| Year 5 (6 Sept 2021) | ₹15,25,000 | ₹18,73,414 | +22.8% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹22,35,248 | +22.5% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹26,89,423 | +26.6% |
| Year 8 (4 Sept 2024) | ₹24,25,000 | ₹32,08,577 | +32.3% |
| Year 9 (4 Sept 2025) | ₹27,25,000 | ₹37,82,954 | +38.8% |
| Year 10 (4 Sept 2026) | ₹30,25,000 | ₹43,49,132 | +43.8% |
Best year of the journey: Year 3 (+10.8% market move) · Toughest year: Year 6 (2.8%)
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 Franklin India Banking & PSU Debt Fund's published NAV (source: AMFI) between 6 Sept 2016 and 4 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.