₹5,000 Monthly SIP in LIC MF Banking & PSU Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹8,55,061
1 Sept 2026
Absolute gain
+₹2,50,061
+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
₹8,39,374
Modelled at historical FD rates. The fund beat FD by ₹15,687.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Sept 2017) | ₹65,000 | ₹67,471 | +3.8% |
| Year 2 (3 Sept 2018) | ₹1,25,000 | ₹1,33,445 | +6.8% |
| Year 3 (3 Sept 2019) | ₹1,85,000 | ₹2,12,725 | +15% |
| Year 4 (1 Sept 2020) | ₹2,45,000 | ₹2,94,886 | +20.4% |
| Year 5 (1 Sept 2021) | ₹3,05,000 | ₹3,69,255 | +21.1% |
| Year 6 (1 Sept 2022) | ₹3,65,000 | ₹4,40,936 | +20.8% |
| Year 7 (1 Sept 2023) | ₹4,25,000 | ₹5,31,325 | +25% |
| Year 8 (2 Sept 2024) | ₹4,85,000 | ₹6,35,528 | +31% |
| Year 9 (1 Sept 2025) | ₹5,45,000 | ₹7,51,086 | +37.8% |
| Year 10 (1 Sept 2026) | ₹6,05,000 | ₹8,55,061 | +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.
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 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.