₹10,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 3 Years
If you had started a ₹10,000/month SIP on 3 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI BANKING & FINANCIAL SERVICES FUND's actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,05,246
1 Oct 2026
Absolute gain
+₹35,246
+9.5%
XIRR (annualised)
6.16%
money-weighted
The journey, month by month
Worst fall on the way
-13.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,10,769
Modelled at historical FD rates. The fund trailed FD by ₹5,523.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2024) | ₹1,30,000 | ₹1,52,579 | +17.4% |
| Year 2 (1 Oct 2025) | ₹2,50,000 | ₹2,99,919 | +20% |
| Year 3 (1 Oct 2026) | ₹3,70,000 | ₹4,05,246 | +9.5% |
Best year of the journey: Year 1 (+17.4% market move) · Toughest year: Year 3 (-3.5%)
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 2023 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.