₹25,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 3 Years
If you had started a ₹25,000/month SIP on 1 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
₹9,25,000
37 installments
Value today
₹10,18,046
1 Sept 2026
Absolute gain
+₹93,046
+10.1%
XIRR (annualised)
6.49%
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
₹10,27,020
Modelled at historical FD rates. The fund trailed FD by ₹8,974.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2024) | ₹3,25,000 | ₹3,71,552 | +14.3% |
| Year 2 (1 Sept 2025) | ₹6,25,000 | ₹7,12,915 | +14.1% |
| Year 3 (1 Sept 2026) | ₹9,25,000 | ₹10,18,046 | +10.1% |
Best year of the journey: Year 1 (+14.3% market move) · Toughest year: Year 3 (0.5%)
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 1 Sept 2023 and 1 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.