₹2,000 Monthly SIP in NIPPON INDIA BANKING and PSU FUND - MONTHLY for 10 Years
If you had started a ₹2,000/month SIP on 21 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using NIPPON INDIA BANKING and PSU FUND - MONTHLY's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹2,45,946
21 Sept 2026
Absolute gain
+₹3,946
+1.6%
XIRR (annualised)
0.32%
money-weighted
The journey, month by month
Worst fall on the way
-3.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,887
Modelled at historical FD rates. The fund trailed FD by ₹90,941.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2017) | ₹26,000 | ₹25,955 | -0.2% |
| Year 2 (21 Sept 2018) | ₹50,000 | ₹49,999 | +0% |
| Year 3 (23 Sept 2019) | ₹74,000 | ₹74,910 | +1.2% |
| Year 4 (21 Sept 2020) | ₹98,000 | ₹99,638 | +1.7% |
| Year 5 (21 Sept 2021) | ₹1,22,000 | ₹1,23,824 | +1.5% |
| Year 6 (21 Sept 2022) | ₹1,46,000 | ₹1,47,740 | +1.2% |
| Year 7 (21 Sept 2023) | ₹1,70,000 | ₹1,72,084 | +1.2% |
| Year 8 (23 Sept 2024) | ₹1,94,000 | ₹1,97,079 | +1.6% |
| Year 9 (22 Sept 2025) | ₹2,18,000 | ₹2,21,781 | +1.7% |
| Year 10 (21 Sept 2026) | ₹2,42,000 | ₹2,45,946 | +1.6% |
Best year of the journey: Year 3 (+1.2% market move) · Toughest year: Year 1 (-0.2%)
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 NIPPON INDIA BANKING and PSU FUND - MONTHLY's published NAV (source: AMFI) between 21 Sept 2016 and 21 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.