₹10,000 Monthly SIP in BANDHAN Flexi Cap Fund for 10 Years
If you had started a ₹10,000/month SIP on 31 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using BANDHAN Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹22,91,029
31 Aug 2026
Absolute gain
+₹10,81,029
+89.3%
XIRR (annualised)
12.17%
money-weighted
The journey, month by month
Worst fall on the way
-35.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,88,170
Modelled at historical FD rates. The fund beat FD by ₹6,02,859.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (31 Aug 2017) | ₹1,30,000 | ₹1,46,324 | +12.6% |
| Year 2 (31 Aug 2018) | ₹2,50,000 | ₹2,90,922 | +16.4% |
| Year 3 (3 Sept 2019) | ₹3,80,000 | ₹3,78,783 | -0.3% |
| Year 4 (31 Aug 2020) | ₹4,90,000 | ₹5,00,806 | +2.2% |
| Year 5 (31 Aug 2021) | ₹6,10,000 | ₹9,06,163 | +48.6% |
| Year 6 (1 Sept 2022) | ₹7,40,000 | ₹10,92,362 | +47.6% |
| Year 7 (31 Aug 2023) | ₹8,50,000 | ₹13,38,218 | +57.4% |
| Year 8 (31 Aug 2024) | ₹9,70,000 | ₹20,02,004 | +106.4% |
| Year 9 (31 Aug 2025) | ₹10,90,000 | ₹20,88,588 | +91.6% |
| Year 10 (31 Aug 2026) | ₹12,10,000 | ₹22,91,029 | +89.3% |
Best year of the journey: Year 5 (+46% market move) · Toughest year: Year 3 (-10%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using BANDHAN Flexi Cap Fund's published NAV (source: AMFI) between 31 Aug 2016 and 31 Aug 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.