₹5,000 Monthly SIP in BANDHAN Balanced Advantage Fund Direct Plan Growth for 3 Years
If you had started a ₹5,000/month SIP on 4 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using BANDHAN Balanced Advantage Fund Direct Plan Growth's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,08,403
3 Sept 2026
Absolute gain
+₹23,403
+12.7%
XIRR (annualised)
8.07%
money-weighted
The journey, month by month
Worst fall on the way
-5.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,05,476
Modelled at historical FD rates. The fund beat FD by ₹2,927.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2024) | ₹65,000 | ₹72,693 | +11.8% |
| Year 2 (3 Sept 2025) | ₹1,25,000 | ₹1,37,272 | +9.8% |
| Year 3 (3 Sept 2026) | ₹1,85,000 | ₹2,08,403 | +12.7% |
Best year of the journey: Year 1 (+11.8% market move) · Toughest year: Year 2 (3.5%)
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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Same SIP in other Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using BANDHAN Balanced Advantage Fund Direct Plan Growth's published NAV (source: AMFI) between 4 Sept 2023 and 3 Sept 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.