₹10,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 10 Years
If you had started a ₹10,000/month SIP on 26 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Banking and Financial Services Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹21,75,257
24 Sept 2026
Absolute gain
+₹9,65,257
+79.8%
XIRR (annualised)
11.24%
money-weighted
The journey, month by month
Worst fall on the way
-46.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,85,324
Modelled at historical FD rates. The fund beat FD by ₹4,89,933.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹1,30,000 | ₹1,52,916 | +17.6% |
| Year 2 (24 Sept 2018) | ₹2,50,000 | ₹2,58,470 | +3.4% |
| Year 3 (24 Sept 2019) | ₹3,70,000 | ₹4,32,392 | +16.9% |
| Year 4 (24 Sept 2020) | ₹4,90,000 | ₹4,23,224 | -13.6% |
| Year 5 (24 Sept 2021) | ₹6,10,000 | ₹9,29,266 | +52.3% |
| Year 6 (26 Sept 2022) | ₹7,30,000 | ₹10,37,637 | +42.1% |
| Year 7 (25 Sept 2023) | ₹8,50,000 | ₹13,73,004 | +61.5% |
| Year 8 (24 Sept 2024) | ₹9,70,000 | ₹19,41,699 | +100.2% |
| Year 9 (24 Sept 2025) | ₹10,90,000 | ₹21,37,606 | +96.1% |
| Year 10 (24 Sept 2026) | ₹12,10,000 | ₹21,75,257 | +79.8% |
Best year of the journey: Year 5 (+71.1% market move) · Toughest year: Year 4 (-23.4%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using ICICI Prudential Banking and Financial Services Fund's published NAV (source: AMFI) between 26 Sept 2016 and 24 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.