₹10,000 Monthly SIP in Franklin India Banking & PSU Debt Fund for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹17,39,178
3 Sept 2026
Absolute gain
+₹5,29,178
+43.7%
XIRR (annualised)
7.09%
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
₹16,79,305
Modelled at historical FD rates. The fund beat FD by ₹59,873.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,35,400 | +4.2% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,64,401 | +5.8% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹4,25,164 | +14.9% |
| Year 4 (3 Sept 2020) | ₹4,90,000 | ₹5,94,026 | +21.2% |
| Year 5 (3 Sept 2021) | ₹6,10,000 | ₹7,48,961 | +22.8% |
| Year 6 (5 Sept 2022) | ₹7,30,000 | ₹8,94,099 | +22.5% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹10,75,769 | +26.6% |
| Year 8 (3 Sept 2024) | ₹9,70,000 | ₹12,82,845 | +32.3% |
| Year 9 (3 Sept 2025) | ₹10,90,000 | ₹15,12,543 | +38.8% |
| Year 10 (3 Sept 2026) | ₹12,10,000 | ₹17,39,178 | +43.7% |
Best year of the journey: Year 3 (+10.6% market move) · Toughest year: Year 6 (2.9%)
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 Franklin India Banking & PSU Debt Fund's published NAV (source: AMFI) between 6 Sept 2016 and 3 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.