₹25,000 Monthly SIP in NIPPON INDIA BANKING and PSU FUND - MONTHLY for 10 Years
If you had started a ₹25,000/month SIP on 12 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
₹30,25,000
121 installments
Value today
₹30,73,035
11 Sept 2026
Absolute gain
+₹48,035
+1.6%
XIRR (annualised)
0.31%
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
₹42,03,966
Modelled at historical FD rates. The fund trailed FD by ₹11,30,931.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹3,25,000 | ₹3,25,909 | +0.3% |
| Year 2 (11 Sept 2018) | ₹6,25,000 | ₹6,24,001 | -0.2% |
| Year 3 (11 Sept 2019) | ₹9,25,000 | ₹9,45,205 | +2.2% |
| Year 4 (11 Sept 2020) | ₹12,25,000 | ₹12,43,672 | +1.5% |
| Year 5 (13 Sept 2021) | ₹15,25,000 | ₹15,54,393 | +1.9% |
| Year 6 (12 Sept 2022) | ₹18,25,000 | ₹18,54,364 | +1.6% |
| Year 7 (11 Sept 2023) | ₹21,25,000 | ₹21,58,898 | +1.6% |
| Year 8 (11 Sept 2024) | ₹24,25,000 | ₹24,72,624 | +2% |
| Year 9 (11 Sept 2025) | ₹27,25,000 | ₹27,70,883 | +1.7% |
| Year 10 (11 Sept 2026) | ₹30,25,000 | ₹30,73,035 | +1.6% |
Best year of the journey: Year 3 (+2.3% market move) · Toughest year: Year 2 (-0.3%)
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 12 Sept 2016 and 11 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.