₹25,000 Monthly SIP in LIC MF Banking and Financial Services Fund for 10 Years
If you had started a ₹25,000/month SIP on 30 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
₹30,25,000
121 installments
Value today
₹49,19,498
30 Sept 2026
Absolute gain
+₹18,94,498
+62.6%
XIRR (annualised)
9.33%
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
₹42,17,608
Modelled at historical FD rates. The fund beat FD by ₹7,01,890.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,50,000 | ₹3,59,885 | +2.8% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹5,75,364 | -11.5% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹9,88,940 | +6.9% |
| Year 4 (30 Sept 2020) | ₹12,25,000 | ₹10,43,385 | -14.8% |
| Year 5 (30 Sept 2021) | ₹15,25,000 | ₹20,24,166 | +32.7% |
| Year 6 (30 Sept 2022) | ₹18,25,000 | ₹24,64,984 | +35.1% |
| Year 7 (3 Oct 2023) | ₹21,50,000 | ₹33,64,379 | +56.5% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹42,78,602 | +76.4% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹46,84,417 | +71.9% |
| Year 10 (30 Sept 2026) | ₹30,25,000 | ₹49,19,498 | +62.6% |
Best year of the journey: Year 5 (+50.7% market move) · Toughest year: Year 4 (-19.1%)
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 LIC MF Banking and Financial Services Fund's published NAV (source: AMFI) between 30 Sept 2016 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.