₹10,000 Monthly SIP in BANDHAN Balanced Advantage Fund Direct Plan IDCW for 5 Years
If you had started a ₹10,000/month SIP on 6 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using BANDHAN Balanced Advantage Fund Direct Plan IDCW's actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,48,556
4 Sept 2026
Absolute gain
+₹38,556
+6.3%
XIRR (annualised)
2.45%
money-weighted
The journey, month by month
Worst fall on the way
-11.7%
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
₹7,15,089
Modelled at historical FD rates. The fund trailed FD by ₹66,533.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹1,30,000 | ₹1,30,879 | +0.7% |
| Year 2 (4 Sept 2023) | ₹2,50,000 | ₹2,62,854 | +5.1% |
| Year 3 (4 Sept 2024) | ₹3,70,000 | ₹4,34,135 | +17.3% |
| Year 4 (4 Sept 2025) | ₹4,90,000 | ₹5,44,528 | +11.1% |
| Year 5 (4 Sept 2026) | ₹5,90,000 | ₹6,28,183 | +6.5% |
Best year of the journey: Year 3 (+13.4% market move) · Toughest year: Year 5 (-2.5%)
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
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 IDCW's published NAV (source: AMFI) between 6 Sept 2021 and 4 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.