₹25,000 Monthly SIP in BANDHAN Balanced Advantage Fund Direct Plan IDCW for 10 Years
If you had started a ₹25,000/month SIP on 6 Sept 2016 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 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹37,61,308
4 Sept 2026
Absolute gain
+₹7,36,308
+24.3%
XIRR (annualised)
4.29%
money-weighted
The journey, month by month
Worst fall on the way
-24.1%
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
₹41,98,693
Modelled at historical FD rates. The fund trailed FD by ₹4,37,385.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,36,662 | +3.6% |
| Year 2 (4 Sept 2018) | ₹6,25,000 | ₹6,50,336 | +4.1% |
| Year 3 (4 Sept 2019) | ₹9,25,000 | ₹9,18,513 | -0.7% |
| Year 4 (4 Sept 2020) | ₹12,25,000 | ₹13,26,810 | +8.3% |
| Year 5 (6 Sept 2021) | ₹15,25,000 | ₹19,47,416 | +27.7% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹21,97,537 | +20.4% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹26,11,160 | +22.9% |
| Year 8 (4 Sept 2024) | ₹24,25,000 | ₹33,44,436 | +37.9% |
| Year 9 (4 Sept 2025) | ₹27,25,000 | ₹35,65,362 | +30.8% |
| Year 10 (4 Sept 2026) | ₹29,75,000 | ₹37,10,377 | +24.7% |
Best year of the journey: Year 5 (+19.7% market move) · Toughest year: Year 3 (-3.3%)
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 IDCW's published NAV (source: AMFI) between 6 Sept 2016 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.