₹10,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 3 Years
If you had started a ₹10,000/month SIP on 4 Sept 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,07,433
3 Sept 2026
Absolute gain
+₹37,433
+10.1%
XIRR (annualised)
6.51%
money-weighted
The journey, month by month
Worst fall on the way
-14%
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
₹4,10,953
Modelled at historical FD rates. The fund trailed FD by ₹3,520.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Sept 2024) | ₹1,30,000 | ₹1,49,743 | +15.2% |
| Year 2 (3 Sept 2025) | ₹2,50,000 | ₹2,84,914 | +14% |
| Year 3 (3 Sept 2026) | ₹3,70,000 | ₹4,07,433 | +10.1% |
Best year of the journey: Year 1 (+15.2% market move) · Toughest year: Year 3 (0.6%)
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 4 Sept 2023 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.