₹10,000 Monthly SIP in ICICI Prudential Banking and Financial Services 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 ICICI Prudential Banking and Financial Services Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹22,40,791
3 Sept 2026
Absolute gain
+₹10,30,791
+85.2%
XIRR (annualised)
11.91%
money-weighted
The journey, month by month
Worst fall on the way
-46.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,343
Modelled at historical FD rates. The fund beat FD by ₹5,61,448.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,55,313 | +19.5% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,92,233 | +16.9% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,95,035 | +6.8% |
| Year 4 (3 Sept 2020) | ₹4,90,000 | ₹4,73,697 | -3.3% |
| Year 5 (3 Sept 2021) | ₹6,10,000 | ₹9,19,759 | +50.8% |
| Year 6 (5 Sept 2022) | ₹7,30,000 | ₹10,70,155 | +46.6% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹13,63,331 | +60.4% |
| Year 8 (3 Sept 2024) | ₹9,70,000 | ₹18,56,480 | +91.4% |
| Year 9 (3 Sept 2025) | ₹10,90,000 | ₹20,99,937 | +92.7% |
| Year 10 (3 Sept 2026) | ₹12,10,000 | ₹22,40,791 | +85.2% |
Best year of the journey: Year 5 (+54.9% market move) · Toughest year: Year 4 (-8%)
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 ICICI Prudential Banking and Financial Services 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.