₹5,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 3 Years
If you had started a ₹5,000/month SIP on 18 Aug 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
₹1,85,000
37 installments
Value today
₹2,18,372
18 Aug 2026
Absolute gain
+₹33,372
+18%
XIRR (annualised)
11.04%
money-weighted
The journey, month by month
Worst fall on the way
-13.9%
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
₹2,06,011
Modelled at historical FD rates. The fund beat FD by ₹12,361.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹65,000 | ₹75,451 | +16.1% |
| Year 2 (18 Aug 2025) | ₹1,25,000 | ₹1,55,014 | +24% |
| Year 3 (18 Aug 2026) | ₹1,85,000 | ₹2,18,372 | +18% |
Best year of the journey: Year 1 (+16.1% market move) · Toughest year: Year 3 (1.6%)
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 2023 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.