₹25,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 10 Years
If you had started a ₹25,000/month SIP on 2 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
₹30,25,000
121 installments
Value today
₹55,65,849
2 Sept 2026
Absolute gain
+₹25,40,849
+84%
XIRR (annualised)
11.79%
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
₹41,97,676
Modelled at historical FD rates. The fund beat FD by ₹13,68,173.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,88,905 | +19.7% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹7,31,247 | +17% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹9,88,221 | +6.8% |
| Year 4 (2 Sept 2020) | ₹12,25,000 | ₹11,91,435 | -2.7% |
| Year 5 (2 Sept 2021) | ₹15,25,000 | ₹23,05,760 | +51.2% |
| Year 6 (2 Sept 2022) | ₹18,25,000 | ₹26,57,281 | +45.6% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹34,09,421 | +60.4% |
| Year 8 (2 Sept 2024) | ₹24,25,000 | ₹46,06,095 | +89.9% |
| Year 9 (2 Sept 2025) | ₹27,25,000 | ₹52,27,101 | +91.8% |
| Year 10 (2 Sept 2026) | ₹30,25,000 | ₹55,65,849 | +84% |
Best year of the journey: Year 5 (+54.6% market move) · Toughest year: Year 4 (-7.5%)
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 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.