₹25,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹25,000/month SIP on 19 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
₹30,25,000
121 installments
Value today
₹65,52,341
18 Sept 2026
Absolute gain
+₹35,27,341
+116.6%
XIRR (annualised)
14.75%
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
₹42,09,045
Modelled at historical FD rates. The fund beat FD by ₹23,43,296.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹3,25,000 | ₹3,90,812 | +20.2% |
| Year 2 (18 Sept 2018) | ₹6,25,000 | ₹7,53,200 | +20.5% |
| Year 3 (18 Sept 2019) | ₹9,25,000 | ₹10,88,257 | +17.6% |
| Year 4 (18 Sept 2020) | ₹12,25,000 | ₹12,99,164 | +6.1% |
| Year 5 (20 Sept 2021) | ₹15,25,000 | ₹24,61,897 | +61.4% |
| Year 6 (19 Sept 2022) | ₹18,25,000 | ₹29,36,461 | +60.9% |
| Year 7 (18 Sept 2023) | ₹21,25,000 | ₹36,46,040 | +71.6% |
| Year 8 (18 Sept 2024) | ₹24,25,000 | ₹52,42,817 | +116.2% |
| Year 9 (18 Sept 2025) | ₹27,25,000 | ₹62,09,664 | +127.9% |
| Year 10 (18 Sept 2026) | ₹30,25,000 | ₹65,52,341 | +116.6% |
Best year of the journey: Year 5 (+53.9% market move) · Toughest year: Year 4 (-6.4%)
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 19 Sept 2016 and 18 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.