₹25,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 10 Years
If you had started a ₹25,000/month SIP on 23 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
₹30,25,000
121 installments
Value today
₹55,45,007
23 Sept 2026
Absolute gain
+₹25,20,007
+83.3%
XIRR (annualised)
11.61%
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
₹42,12,616
Modelled at historical FD rates. The fund beat FD by ₹13,32,391.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹3,25,000 | ₹3,81,998 | +17.5% |
| Year 2 (24 Sept 2018) | ₹6,25,000 | ₹6,45,898 | +3.3% |
| Year 3 (23 Sept 2019) | ₹9,25,000 | ₹10,91,362 | +18% |
| Year 4 (23 Sept 2020) | ₹12,25,000 | ₹10,88,443 | -11.1% |
| Year 5 (23 Sept 2021) | ₹15,25,000 | ₹23,19,510 | +52.1% |
| Year 6 (23 Sept 2022) | ₹18,25,000 | ₹26,50,812 | +45.2% |
| Year 7 (25 Sept 2023) | ₹21,25,000 | ₹34,31,988 | +61.5% |
| Year 8 (23 Sept 2024) | ₹24,25,000 | ₹48,82,010 | +101.3% |
| Year 9 (23 Sept 2025) | ₹27,25,000 | ₹53,69,291 | +97% |
| Year 10 (23 Sept 2026) | ₹30,25,000 | ₹55,45,007 | +83.3% |
Best year of the journey: Year 5 (+67.1% market move) · Toughest year: Year 4 (-21.8%)
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 23 Sept 2016 and 23 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.