₹1,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹1,000/month SIP on 23 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI BANKING & FINANCIAL SERVICES FUND's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,63,022
23 Sept 2026
Absolute gain
+₹1,42,022
+117.4%
XIRR (annualised)
14.78%
money-weighted
The journey, month by month
Worst fall on the way
-42.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,505
Modelled at historical FD rates. The fund beat FD by ₹94,517.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹13,000 | ₹14,988 | +15.3% |
| Year 2 (24 Sept 2018) | ₹25,000 | ₹28,386 | +13.5% |
| Year 3 (23 Sept 2019) | ₹37,000 | ₹48,280 | +30.5% |
| Year 4 (23 Sept 2020) | ₹49,000 | ₹50,421 | +2.9% |
| Year 5 (23 Sept 2021) | ₹61,000 | ₹1,00,131 | +64.1% |
| Year 6 (23 Sept 2022) | ₹73,000 | ₹1,14,233 | +56.5% |
| Year 7 (25 Sept 2023) | ₹85,000 | ₹1,43,173 | +68.4% |
| Year 8 (23 Sept 2024) | ₹97,000 | ₹2,16,047 | +122.7% |
| Year 9 (23 Sept 2025) | ₹1,09,000 | ₹2,48,017 | +127.5% |
| Year 10 (23 Sept 2026) | ₹1,21,000 | ₹2,63,022 | +117.4% |
Best year of the journey: Year 5 (+60.4% market move) · Toughest year: Year 4 (-16.4%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using SBI BANKING & FINANCIAL SERVICES FUND's published NAV (source: AMFI) between 23 Sept 2016 and 23 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.