₹2,000 Monthly SIP in BANDHAN Balanced Advantage Fund Regular Plan IDCW for 10 Years
If you had started a ₹2,000/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
₹2,42,000
121 installments
Value today
₹2,80,104
1 Sept 2026
Absolute gain
+₹38,104
+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
₹3,35,726
Modelled at historical FD rates. The fund trailed FD by ₹55,622.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹26,000 | ₹26,889 | +3.4% |
| Year 2 (3 Sept 2018) | ₹50,000 | ₹51,705 | +3.4% |
| Year 3 (3 Sept 2019) | ₹74,000 | ₹72,118 | -2.5% |
| Year 4 (1 Sept 2020) | ₹98,000 | ₹1,03,655 | +5.8% |
| Year 5 (1 Sept 2021) | ₹1,22,000 | ₹1,49,694 | +22.7% |
| Year 6 (1 Sept 2022) | ₹1,46,000 | ₹1,68,243 | +15.2% |
| Year 7 (1 Sept 2023) | ₹1,70,000 | ₹1,98,775 | +16.9% |
| Year 8 (2 Sept 2024) | ₹1,94,000 | ₹2,52,785 | +30.3% |
| Year 9 (1 Sept 2025) | ₹2,18,000 | ₹2,66,596 | +22.3% |
| Year 10 (1 Sept 2026) | ₹2,38,000 | ₹2,76,042 | +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.