₹25,000 Monthly SIP in NIPPON INDIA BANKING and PSU FUND - MONTHLY for 3 Years
If you had started a ₹25,000/month SIP on 18 Aug 2023 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 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹9,31,964
18 Aug 2026
Absolute gain
+₹6,964
+0.8%
XIRR (annualised)
0.49%
money-weighted
The journey, month by month
Worst fall on the way
-2.1%
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
₹10,30,042
Modelled at historical FD rates. The fund trailed FD by ₹98,078.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹3,25,000 | ₹3,27,449 | +0.8% |
| Year 2 (18 Aug 2025) | ₹6,25,000 | ₹6,25,541 | +0.1% |
| Year 3 (18 Aug 2026) | ₹9,25,000 | ₹9,31,964 | +0.8% |
Best year of the journey: Year 1 (+0.8% 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.
Try a different amount
Try a different duration
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 18 Aug 2023 and 18 Aug 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.