₹5,000 Monthly SIP in ICICI Prudential Business Cycle Fund Growth for 3 Years
If you had started a ₹5,000/month SIP on 11 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using ICICI Prudential Business Cycle Fund Growth's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,00,383
11 Sept 2026
Absolute gain
+₹15,383
+8.3%
XIRR (annualised)
5.3%
money-weighted
The journey, month by month
Worst fall on the way
-11%
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
₹2,05,772
Modelled at historical FD rates. The fund trailed FD by ₹5,389.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2024) | ₹65,000 | ₹77,325 | +19% |
| Year 2 (11 Sept 2025) | ₹1,25,000 | ₹1,46,837 | +17.5% |
| Year 3 (11 Sept 2026) | ₹1,85,000 | ₹2,00,383 | +8.3% |
Best year of the journey: Year 1 (+19% market move) · Toughest year: Year 3 (-3.1%)
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 Business Cycle Fund Growth's published NAV (source: AMFI) between 11 Sept 2023 and 11 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.