₹25,000 Monthly SIP in BANDHAN Balanced Advantage Fund Direct Plan IDCW for 5 Years
If you had started a ₹25,000/month SIP on 3 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
₹15,25,000
61 installments
Value today
₹16,19,935
3 Sept 2026
Absolute gain
+₹94,935
+6.2%
XIRR (annualised)
2.42%
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
₹17,87,424
Modelled at historical FD rates. The fund trailed FD by ₹1,67,489.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹3,25,000 | ₹3,27,213 | +0.7% |
| Year 2 (4 Sept 2023) | ₹6,25,000 | ₹6,57,152 | +5.1% |
| Year 3 (3 Sept 2024) | ₹9,25,000 | ₹10,84,921 | +17.3% |
| Year 4 (3 Sept 2025) | ₹12,25,000 | ₹13,62,139 | +11.2% |
| Year 5 (3 Sept 2026) | ₹14,75,000 | ₹15,69,051 | +6.4% |
Best year of the journey: Year 3 (+13.3% market move) · Toughest year: Year 5 (-2.7%)
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 3 Sept 2021 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.