₹25,000 Monthly SIP in LIC MF Banking & PSU Fund for 10 Years
If you had started a ₹25,000/month SIP on 6 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
₹30,25,000
121 installments
Value today
₹42,83,448
3 Sept 2026
Absolute gain
+₹12,58,448
+41.6%
XIRR (annualised)
6.81%
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
₹41,98,262
Modelled at historical FD rates. The fund beat FD by ₹85,186.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,37,484 | +3.8% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹6,67,196 | +6.8% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹10,63,594 | +15% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹14,76,480 | +20.5% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹18,46,240 | +21.1% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹22,06,820 | +20.9% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹26,58,228 | +25.1% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹31,78,506 | +31.1% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹37,59,355 | +38% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹42,83,448 | +41.6% |
Best year of the journey: Year 3 (+10% market move) · Toughest year: Year 6 (2.8%)
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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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 6 Sept 2016 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.