₹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 18 Aug 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
₹22,43,257
18 Aug 2026
Absolute gain
+₹10,33,257
+85.4%
XIRR (annualised)
11.85%
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
₹16,84,458
Modelled at historical FD rates. The fund beat FD by ₹5,58,799.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,56,731 | +20.6% |
| Year 2 (20 Aug 2018) | ₹2,50,000 | ₹3,00,199 | +20.1% |
| Year 3 (19 Aug 2019) | ₹3,70,000 | ₹4,16,754 | +12.6% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹4,56,540 | -6.8% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹8,96,957 | +47% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹10,82,437 | +48.3% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹13,51,567 | +59% |
| Year 8 (19 Aug 2024) | ₹9,70,000 | ₹17,96,449 | +85.2% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹21,79,166 | +99.9% |
| Year 10 (18 Aug 2026) | ₹12,10,000 | ₹22,43,257 | +85.4% |
Best year of the journey: Year 5 (+55.6% market move) · Toughest year: Year 4 (-14.9%)
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 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.