₹5,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹13,36,541
18 Aug 2026
Absolute gain
+₹7,31,541
+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
₹8,42,229
Modelled at historical FD rates. The fund beat FD by ₹4,94,312.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹65,000 | ₹76,898 | +18.3% |
| Year 2 (20 Aug 2018) | ₹1,25,000 | ₹1,61,896 | +29.5% |
| Year 3 (19 Aug 2019) | ₹1,85,000 | ₹2,26,474 | +22.4% |
| Year 4 (18 Aug 2020) | ₹2,45,000 | ₹2,63,170 | +7.4% |
| Year 5 (18 Aug 2021) | ₹3,05,000 | ₹4,78,024 | +56.7% |
| Year 6 (18 Aug 2022) | ₹3,65,000 | ₹5,82,191 | +59.5% |
| Year 7 (18 Aug 2023) | ₹4,25,000 | ₹6,96,987 | +64% |
| Year 8 (19 Aug 2024) | ₹4,85,000 | ₹10,05,207 | +107.3% |
| Year 9 (18 Aug 2025) | ₹5,45,000 | ₹12,48,852 | +129.1% |
| Year 10 (18 Aug 2026) | ₹6,05,000 | ₹13,36,541 | +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.
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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 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.