₹1,000 Monthly SIP in LIC MF Banking & PSU Fund for 5 Years
If you had started a ₹1,000/month SIP on 2 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Banking & PSU Fund's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹72,431
2 Sept 2026
Absolute gain
+₹11,431
+18.7%
XIRR (annualised)
6.9%
money-weighted
The journey, month by month
Worst fall on the way
-0.6%
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
₹71,499
Modelled at historical FD rates. The fund beat FD by ₹932.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (2 Sept 2022) | ₹13,000 | ₹13,220 | +1.7% |
| Year 2 (4 Sept 2023) | ₹25,000 | ₹26,476 | +5.9% |
| Year 3 (2 Sept 2024) | ₹37,000 | ₹41,011 | +10.8% |
| Year 4 (2 Sept 2025) | ₹49,000 | ₹56,887 | +16.1% |
| Year 5 (2 Sept 2026) | ₹61,000 | ₹72,431 | +18.7% |
Best year of the journey: Year 4 (+7.3% market move) · Toughest year: Year 1 (1.7%)
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 Banking & PSU funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using LIC MF Banking & PSU Fund's published NAV (source: AMFI) between 2 Sept 2021 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.