₹10,000 Monthly SIP in LIC MF Banking and Financial Services Fund for 3 Years
If you had started a ₹10,000/month SIP on 3 Oct 2023 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 36 installments.
You invested
₹3,60,000
36 installments
Value today
₹3,72,206
30 Sept 2026
Absolute gain
+₹12,206
+3.4%
XIRR (annualised)
2.18%
money-weighted
The journey, month by month
Worst fall on the way
-13.1%
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
₹4,00,695
Modelled at historical FD rates. The fund trailed FD by ₹28,489.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹1,20,000 | ₹1,31,919 | +9.9% |
| Year 2 (30 Sept 2025) | ₹2,40,000 | ₹2,61,458 | +8.9% |
| Year 3 (30 Sept 2026) | ₹3,60,000 | ₹3,72,206 | +3.4% |
Best year of the journey: Year 1 (+9.9% market move) · Toughest year: Year 3 (-2.4%)
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 3 Oct 2023 and 30 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.