₹1,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 5 Years
If you had started a ₹1,000/month SIP on 1 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using SBI BANKING & FINANCIAL SERVICES FUND's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹81,434
1 Oct 2026
Absolute gain
+₹20,434
+33.5%
XIRR (annualised)
11.67%
money-weighted
The journey, month by month
Worst fall on the way
-15%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,558
Modelled at historical FD rates. The fund beat FD by ₹9,876.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2022) | ₹13,000 | ₹13,300 | +2.3% |
| Year 2 (3 Oct 2023) | ₹25,000 | ₹28,444 | +13.8% |
| Year 3 (1 Oct 2024) | ₹37,000 | ₹53,241 | +43.9% |
| Year 4 (1 Oct 2025) | ₹49,000 | ₹72,119 | +47.2% |
| Year 5 (1 Oct 2026) | ₹61,000 | ₹81,434 | +33.5% |
Best year of the journey: Year 3 (+31.6% market move) · Toughest year: Year 5 (-3.2%)
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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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 1 Oct 2021 and 1 Oct 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.