₹25,000 Monthly SIP in ICICI Prudential Banking and Financial Services Fund for 5 Years
If you had started a ₹25,000/month SIP on 3 Sept 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹19,62,597
3 Sept 2026
Absolute gain
+₹4,37,597
+28.7%
XIRR (annualised)
10.15%
money-weighted
The journey, month by month
Worst fall on the way
-15.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,87,809
Modelled at historical FD rates. The fund beat FD by ₹1,74,788.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Sept 2022) | ₹3,25,000 | ₹3,42,609 | +5.4% |
| Year 2 (4 Sept 2023) | ₹6,25,000 | ₹7,21,845 | +15.5% |
| Year 3 (3 Sept 2024) | ₹9,25,000 | ₹12,53,175 | +35.5% |
| Year 4 (3 Sept 2025) | ₹12,25,000 | ₹16,46,860 | +34.4% |
| Year 5 (3 Sept 2026) | ₹15,25,000 | ₹19,62,597 | +28.7% |
Best year of the journey: Year 3 (+22.6% market move) · Toughest year: Year 5 (0.8%)
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 3 Sept 2021 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.