₹1,000 Monthly SIP in Franklin India Banking & PSU Debt Fund for 10 Years
If you had started a ₹1,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Franklin India Banking & PSU Debt Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,73,965
4 Sept 2026
Absolute gain
+₹52,965
+43.8%
XIRR (annualised)
7.1%
money-weighted
The journey, month by month
Worst fall on the way
-3.7%
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
₹1,67,959
Modelled at historical FD rates. The fund beat FD by ₹6,006.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹13,000 | ₹13,540 | +4.2% |
| Year 2 (4 Sept 2018) | ₹25,000 | ₹26,421 | +5.7% |
| Year 3 (4 Sept 2019) | ₹37,000 | ₹42,570 | +15.1% |
| Year 4 (4 Sept 2020) | ₹49,000 | ₹59,403 | +21.2% |
| Year 5 (6 Sept 2021) | ₹61,000 | ₹74,937 | +22.8% |
| Year 6 (5 Sept 2022) | ₹73,000 | ₹89,410 | +22.5% |
| Year 7 (4 Sept 2023) | ₹85,000 | ₹1,07,577 | +26.6% |
| Year 8 (4 Sept 2024) | ₹97,000 | ₹1,28,343 | +32.3% |
| Year 9 (4 Sept 2025) | ₹1,09,000 | ₹1,51,318 | +38.8% |
| Year 10 (4 Sept 2026) | ₹1,21,000 | ₹1,73,965 | +43.8% |
Best year of the journey: Year 3 (+10.8% market move) · Toughest year: Year 6 (2.8%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 Franklin India Banking & PSU Debt Fund's published NAV (source: AMFI) between 6 Sept 2016 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.