₹10,000 Monthly SIP in LIC MF Balanced Advantage Fund for 5 Years
If you had started a ₹10,000/month SIP on 12 Nov 2021 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Balanced Advantage Fund's actual NAV for all 59 installments.
You invested
₹5,90,000
59 installments
Value today
₹7,33,193
1 Sept 2026
Absolute gain
+₹1,43,193
+24.3%
XIRR (annualised)
9.07%
money-weighted
The journey, month by month
Worst fall on the way
-6.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹6,88,898
Modelled at historical FD rates. The fund beat FD by ₹44,295.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2022) | ₹1,10,000 | ₹1,14,081 | +3.7% |
| Year 2 (1 Sept 2023) | ₹2,30,000 | ₹2,54,457 | +10.6% |
| Year 3 (2 Sept 2024) | ₹3,50,000 | ₹4,38,487 | +25.3% |
| Year 4 (1 Sept 2025) | ₹4,70,000 | ₹5,75,066 | +22.4% |
| Year 5 (1 Sept 2026) | ₹5,90,000 | ₹7,33,193 | +24.3% |
Best year of the journey: Year 3 (+17.1% market move) · Toughest year: Year 4 (3%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Same SIP in other Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using LIC MF Balanced Advantage Fund's published NAV (source: AMFI) between 12 Nov 2021 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.