₹5,000 Monthly SIP in BANDHAN Flexi Cap Fund for 5 Years
If you had started a ₹5,000/month SIP on 1 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using BANDHAN Flexi Cap Fund's actual NAV for all 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,96,645
1 Sept 2026
Absolute gain
+₹91,645
+30%
XIRR (annualised)
10.6%
money-weighted
The journey, month by month
Worst fall on the way
-12.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,57,439
Modelled at historical FD rates. The fund beat FD by ₹39,206.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹65,000 | ₹67,525 | +3.9% |
| Year 2 (1 Sept 2023) | ₹1,25,000 | ₹1,41,964 | +13.6% |
| Year 3 (2 Sept 2024) | ₹1,85,000 | ₹2,66,530 | +44.1% |
| Year 4 (1 Sept 2025) | ₹2,45,000 | ₹3,26,191 | +33.1% |
| Year 5 (1 Sept 2026) | ₹3,05,000 | ₹3,96,645 | +30% |
Best year of the journey: Year 3 (+32% market move) · Toughest year: Year 4 (-0.1%)
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 1 Sept 2021 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.