₹1,000 Monthly SIP in BANDHAN Balanced Advantage Fund Regular Plan IDCW for 10 Years
If you had started a ₹1,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using BANDHAN Balanced Advantage Fund Regular Plan IDCW's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,40,052
1 Sept 2026
Absolute gain
+₹19,052
+15.7%
XIRR (annualised)
2.9%
money-weighted
The journey, month by month
Worst fall on the way
-24.2%
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
₹1,67,863
Modelled at historical FD rates. The fund trailed FD by ₹27,811.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹13,000 | ₹13,444 | +3.4% |
| Year 2 (3 Sept 2018) | ₹25,000 | ₹25,852 | +3.4% |
| Year 3 (3 Sept 2019) | ₹37,000 | ₹36,059 | -2.5% |
| Year 4 (1 Sept 2020) | ₹49,000 | ₹51,827 | +5.8% |
| Year 5 (1 Sept 2021) | ₹61,000 | ₹74,847 | +22.7% |
| Year 6 (1 Sept 2022) | ₹73,000 | ₹84,122 | +15.2% |
| Year 7 (1 Sept 2023) | ₹85,000 | ₹99,388 | +16.9% |
| Year 8 (2 Sept 2024) | ₹97,000 | ₹1,26,392 | +30.3% |
| Year 9 (1 Sept 2025) | ₹1,09,000 | ₹1,33,298 | +22.3% |
| Year 10 (1 Sept 2026) | ₹1,19,000 | ₹1,38,021 | +16% |
Best year of the journey: Year 5 (+17.3% market move) · Toughest year: Year 3 (-4.7%)
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 Regular Plan IDCW's published NAV (source: AMFI) between 1 Sept 2016 and 1 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.