₹10,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 3 Years
If you had started a ₹10,000/month SIP on 18 Aug 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,07,540
18 Aug 2026
Absolute gain
+₹37,540
+10.1%
XIRR (annualised)
6.36%
money-weighted
The journey, month by month
Worst fall on the way
-14.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,12,023
Modelled at historical FD rates. The fund trailed FD by ₹4,483.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹1,30,000 | ₹1,46,007 | +12.3% |
| Year 2 (18 Aug 2025) | ₹2,50,000 | ₹2,96,322 | +18.5% |
| Year 3 (18 Aug 2026) | ₹3,70,000 | ₹4,07,540 | +10.1% |
Best year of the journey: Year 1 (+12.3% market move) · Toughest year: Year 3 (-2.1%)
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 2023 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.