₹2,000 Monthly SIP in LIC MF Banking & PSU Fund for 10 Years
If you had started a ₹2,000/month SIP on 1 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Banking & PSU Fund's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹3,42,025
1 Sept 2026
Absolute gain
+₹1,00,025
+41.3%
XIRR (annualised)
6.78%
money-weighted
The journey, month by month
Worst fall on the way
-2.8%
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
₹3,35,749
Modelled at historical FD rates. The fund beat FD by ₹6,276.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹26,000 | ₹26,989 | +3.8% |
| Year 2 (3 Sept 2018) | ₹50,000 | ₹53,378 | +6.8% |
| Year 3 (3 Sept 2019) | ₹74,000 | ₹85,090 | +15% |
| Year 4 (1 Sept 2020) | ₹98,000 | ₹1,17,954 | +20.4% |
| Year 5 (1 Sept 2021) | ₹1,22,000 | ₹1,47,702 | +21.1% |
| Year 6 (1 Sept 2022) | ₹1,46,000 | ₹1,76,374 | +20.8% |
| Year 7 (1 Sept 2023) | ₹1,70,000 | ₹2,12,530 | +25% |
| Year 8 (2 Sept 2024) | ₹1,94,000 | ₹2,54,211 | +31% |
| Year 9 (1 Sept 2025) | ₹2,18,000 | ₹3,00,435 | +37.8% |
| Year 10 (1 Sept 2026) | ₹2,42,000 | ₹3,42,025 | +41.3% |
Best year of the journey: Year 3 (+10% market move) · Toughest year: Year 6 (2.7%)
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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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 1 Sept 2016 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.