₹10,000 Monthly SIP in Tata Banking And Financial Services Fund for 5 Years
If you had started a ₹10,000/month SIP on 7 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using Tata Banking And Financial Services Fund's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹8,04,006
7 Oct 2026
Absolute gain
+₹1,94,006
+31.8%
XIRR (annualised)
11.08%
money-weighted
The journey, month by month
Worst fall on the way
-15.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,320
Modelled at historical FD rates. The fund beat FD by ₹87,686.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹1,30,000 | ₹1,36,753 | +5.2% |
| Year 2 (9 Oct 2023) | ₹2,50,000 | ₹3,02,765 | +21.1% |
| Year 3 (7 Oct 2024) | ₹3,70,000 | ₹5,01,127 | +35.4% |
| Year 4 (7 Oct 2025) | ₹4,90,000 | ₹6,99,136 | +42.7% |
| Year 5 (7 Oct 2026) | ₹6,10,000 | ₹8,04,006 | +31.8% |
Best year of the journey: Year 3 (+18.5% market move) · Toughest year: Year 5 (-1.8%)
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 Tata Banking And Financial Services Fund's published NAV (source: AMFI) between 7 Oct 2021 and 7 Oct 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.