₹5,000 Monthly SIP in Bandhan Banking and PSU Fund for 5 Years
If you had started a ₹5,000/month SIP on 6 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Bandhan Banking and PSU Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,62,385
4 Sept 2026
Absolute gain
+₹57,385
+18.8%
XIRR (annualised)
6.91%
money-weighted
The journey, month by month
Worst fall on the way
-0.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,57,616
Modelled at historical FD rates. The fund beat FD by ₹4,769.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹65,000 | ₹66,089 | +1.7% |
| Year 2 (4 Sept 2023) | ₹1,25,000 | ₹1,32,522 | +6% |
| Year 3 (4 Sept 2024) | ₹1,85,000 | ₹2,04,764 | +10.7% |
| Year 4 (4 Sept 2025) | ₹2,45,000 | ₹2,83,232 | +15.6% |
| Year 5 (4 Sept 2026) | ₹3,05,000 | ₹3,62,385 | +18.8% |
Best year of the journey: Year 4 (+7% market move) · Toughest year: Year 1 (1.7%)
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 Banking & PSU funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Bandhan Banking and PSU Fund's published NAV (source: AMFI) between 6 Sept 2021 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.