₹5,000 Monthly SIP in BANDHAN Balanced Advantage Fund Direct Plan IDCW for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹7,51,578
3 Sept 2026
Absolute gain
+₹1,46,578
+24.2%
XIRR (annualised)
4.28%
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
₹8,39,595
Modelled at historical FD rates. The fund trailed FD by ₹88,017.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹65,000 | ₹67,332 | +3.6% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,31,074 | +4.9% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹1,83,537 | -0.8% |
| Year 4 (3 Sept 2020) | ₹2,45,000 | ₹2,66,450 | +8.8% |
| Year 5 (3 Sept 2021) | ₹3,05,000 | ₹3,89,221 | +27.6% |
| Year 6 (5 Sept 2022) | ₹3,65,000 | ₹4,39,507 | +20.4% |
| Year 7 (4 Sept 2023) | ₹4,25,000 | ₹5,22,232 | +22.9% |
| Year 8 (3 Sept 2024) | ₹4,85,000 | ₹6,68,619 | +37.9% |
| Year 9 (3 Sept 2025) | ₹5,45,000 | ₹7,13,492 | +30.9% |
| Year 10 (3 Sept 2026) | ₹5,95,000 | ₹7,41,402 | +24.6% |
Best year of the journey: Year 5 (+19.2% market move) · Toughest year: Year 3 (-3.9%)
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 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.