₹10,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹10,000/month SIP on 3 Oct 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
₹12,10,000
121 installments
Value today
₹24,89,474
1 Oct 2026
Absolute gain
+₹12,79,474
+105.7%
XIRR (annualised)
13.9%
money-weighted
The journey, month by month
Worst fall on the way
-42.7%
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
₹16,77,659
Modelled at historical FD rates. The fund beat FD by ₹8,11,815.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹1,30,000 | ₹1,48,905 | +14.5% |
| Year 2 (1 Oct 2018) | ₹2,50,000 | ₹2,75,630 | +10.3% |
| Year 3 (1 Oct 2019) | ₹3,70,000 | ₹4,60,526 | +24.5% |
| Year 4 (1 Oct 2020) | ₹4,90,000 | ₹5,24,070 | +7% |
| Year 5 (1 Oct 2021) | ₹6,10,000 | ₹9,78,192 | +60.4% |
| Year 6 (3 Oct 2022) | ₹7,30,000 | ₹10,92,238 | +49.6% |
| Year 7 (3 Oct 2023) | ₹8,50,000 | ₹14,08,191 | +65.7% |
| Year 8 (1 Oct 2024) | ₹9,70,000 | ₹20,87,731 | +115.2% |
| Year 9 (1 Oct 2025) | ₹10,90,000 | ₹24,46,188 | +124.4% |
| Year 10 (1 Oct 2026) | ₹12,10,000 | ₹24,89,474 | +105.7% |
Best year of the journey: Year 5 (+51.9% market move) · Toughest year: Year 4 (-9.7%)
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 3 Oct 2016 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.