What would a ₹1,000 monthly SIP in Mirae Asset Banking and PSU Fund be worth after 3 years?

Based on real NAV history from 22 Sept 2023 to 22 Sept 2026, a ₹1,000/month SIP (37 installments, ₹37,000 invested) would be worth ₹40,745 — an XIRR of 6.3%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹41,235. The fund trailed FD by ₹490.

How risky was this journey?

The portfolio fell up to 0.7% from its peak at the worst point, and survived 0 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹1,000 Monthly SIP in Mirae Asset Banking and PSU Fund for 3 Years

If you had started a ₹1,000/month SIP on 22 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using Mirae Asset Banking and PSU Fund's actual NAV for all 37 installments.

You invested

₹37,000

37 installments

Value today

₹40,745

22 Sept 2026

Absolute gain

+₹3,745

+10.1%

XIRR (annualised)

6.3%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-0.7%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹41,235

Modelled at historical FD rates. The fund trailed FD by ₹490.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (23 Sept 2024)	₹13,000	₹13,620	+4.8%
Year 2 (22 Sept 2025)	₹25,000	₹27,134	+8.5%
Year 3 (22 Sept 2026)	₹37,000	₹40,745	+10.1%

Best year of the journey: Year 2 (+5.9% market move) · Toughest year: Year 3 (4.1%)

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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Same SIP in other Banking & PSU funds

Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Mirae Asset Banking and PSU Fund's published NAV (source: AMFI) between 22 Sept 2023 and 22 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.