₹25,000 Monthly SIP in NIPPON INDIA BANKING and PSU FUND - MONTHLY for 5 Years
If you had started a ₹25,000/month SIP on 17 Sept 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹15,32,471
17 Sept 2026
Absolute gain
+₹7,471
+0.5%
XIRR (annualised)
0.19%
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
₹17,92,100
Modelled at historical FD rates. The fund trailed FD by ₹2,59,629.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Sept 2022) | ₹3,25,000 | ₹3,25,930 | +0.3% |
| Year 2 (18 Sept 2023) | ₹6,25,000 | ₹6,28,726 | +0.6% |
| Year 3 (17 Sept 2024) | ₹9,25,000 | ₹9,35,215 | +1.1% |
| Year 4 (17 Sept 2025) | ₹12,25,000 | ₹12,33,675 | +0.7% |
| Year 5 (17 Sept 2026) | ₹15,25,000 | ₹15,32,471 | +0.5% |
Best year of the journey: Year 3 (+0.7% market move) · Toughest year: Year 4 (-0.1%)
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 NIPPON INDIA BANKING and PSU FUND - MONTHLY's published NAV (source: AMFI) between 17 Sept 2021 and 17 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.