₹25,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹66,82,707
18 Aug 2026
Absolute gain
+₹36,57,707
+120.9%
XIRR (annualised)
15.12%
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
₹42,11,144
Modelled at historical FD rates. The fund beat FD by ₹24,71,563.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹3,25,000 | ₹3,84,490 | +18.3% |
| Year 2 (20 Aug 2018) | ₹6,25,000 | ₹8,09,478 | +29.5% |
| Year 3 (19 Aug 2019) | ₹9,25,000 | ₹11,32,370 | +22.4% |
| Year 4 (18 Aug 2020) | ₹12,25,000 | ₹13,15,852 | +7.4% |
| Year 5 (18 Aug 2021) | ₹15,25,000 | ₹23,90,120 | +56.7% |
| Year 6 (18 Aug 2022) | ₹18,25,000 | ₹29,10,956 | +59.5% |
| Year 7 (18 Aug 2023) | ₹21,25,000 | ₹34,84,937 | +64% |
| Year 8 (19 Aug 2024) | ₹24,25,000 | ₹50,26,033 | +107.3% |
| Year 9 (18 Aug 2025) | ₹27,25,000 | ₹62,44,258 | +129.1% |
| Year 10 (18 Aug 2026) | ₹30,25,000 | ₹66,82,707 | +120.9% |
Best year of the journey: Year 5 (+47.9% market move) · Toughest year: Year 4 (-8.1%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 18 Aug 2016 and 18 Aug 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.