₹10,000 Monthly SIP in LIC MF Banking and Financial Services Fund for 10 Years
If you had started a ₹10,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Banking and Financial Services Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹19,53,412
29 Sept 2026
Absolute gain
+₹7,43,412
+61.4%
XIRR (annualised)
9.19%
money-weighted
The journey, month by month
Worst fall on the way
-41.6%
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
₹16,86,758
Modelled at historical FD rates. The fund beat FD by ₹2,66,654.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,33,846 | +3% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,30,316 | -11.4% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹3,95,781 | +7% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹4,15,018 | -15.3% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹8,13,276 | +33.3% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹9,67,496 | +32.5% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹13,33,054 | +56.8% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹17,11,832 | +76.5% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹18,67,338 | +71.3% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹19,53,412 | +61.4% |
Best year of the journey: Year 5 (+52% market move) · Toughest year: Year 4 (-19.5%)
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 LIC MF Banking and Financial Services Fund's published NAV (source: AMFI) between 29 Sept 2016 and 29 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.