₹25,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹25,000/month SIP on 4 Jul 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
₹69,30,462
3 Jul 2026
Absolute gain
+₹39,05,462
+129.1%
XIRR (annualised)
15.91%
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
8
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,02,506
Modelled at historical FD rates. The fund beat FD by ₹27,27,956.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Jul 2017) | ₹3,25,000 | ₹3,74,020 | +15.1% |
| Year 2 (3 Jul 2018) | ₹6,25,000 | ₹7,44,714 | +19.2% |
| Year 3 (3 Jul 2019) | ₹9,25,000 | ₹12,48,539 | +35% |
| Year 4 (3 Jul 2020) | ₹12,25,000 | ₹12,82,749 | +4.7% |
| Year 5 (5 Jul 2021) | ₹15,25,000 | ₹24,19,783 | +58.7% |
| Year 6 (4 Jul 2022) | ₹18,25,000 | ₹25,66,935 | +40.7% |
| Year 7 (3 Jul 2023) | ₹21,25,000 | ₹36,04,697 | +69.6% |
| Year 8 (3 Jul 2024) | ₹24,25,000 | ₹52,28,457 | +115.6% |
| Year 9 (3 Jul 2025) | ₹27,25,000 | ₹63,28,213 | +132.2% |
| Year 10 (3 Jul 2026) | ₹30,25,000 | ₹69,30,462 | +129.1% |
Best year of the journey: Year 5 (+52.9% market move) · Toughest year: Year 4 (-17.2%)
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 4 Jul 2016 and 3 Jul 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.