₹10,000 Monthly SIP in DSP Banking & PSU Debt Fund for 10 Years
If you had started a ₹10,000/month SIP on 2 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using DSP Banking & PSU Debt Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹17,02,508
2 Sept 2026
Absolute gain
+₹4,92,508
+40.7%
XIRR (annualised)
6.69%
money-weighted
The journey, month by month
Worst fall on the way
-3.1%
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
₹16,79,032
Modelled at historical FD rates. The fund beat FD by ₹23,476.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,35,387 | +4.1% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,63,472 | +5.4% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹4,19,440 | +13.4% |
| Year 4 (2 Sept 2020) | ₹4,90,000 | ₹5,91,624 | +20.7% |
| Year 5 (2 Sept 2021) | ₹6,10,000 | ₹7,45,876 | +22.3% |
| Year 6 (2 Sept 2022) | ₹7,30,000 | ₹8,86,931 | +21.5% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹10,68,915 | +25.8% |
| Year 8 (2 Sept 2024) | ₹9,70,000 | ₹12,81,897 | +32.2% |
| Year 9 (2 Sept 2025) | ₹10,90,000 | ₹15,04,484 | +38% |
| Year 10 (2 Sept 2026) | ₹12,10,000 | ₹17,02,508 | +40.7% |
Best year of the journey: Year 4 (+9.7% market move) · Toughest year: Year 6 (2.4%)
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 DSP Banking & PSU Debt Fund's published NAV (source: AMFI) between 2 Sept 2016 and 2 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.