₹25,000 Monthly SIP in NIPPON INDIA BANKING and 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 NIPPON INDIA BANKING and PSU FUND's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹43,35,900
3 Sept 2026
Absolute gain
+₹13,10,900
+43.3%
XIRR (annualised)
7.04%
money-weighted
The journey, month by month
Worst fall on the way
-3.3%
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 ₹1,37,638.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹3,25,000 | ₹3,39,067 | +4.3% |
| Year 2 (3 Sept 2018) | ₹6,25,000 | ₹6,60,189 | +5.6% |
| Year 3 (3 Sept 2019) | ₹9,25,000 | ₹10,57,208 | +14.3% |
| Year 4 (3 Sept 2020) | ₹12,25,000 | ₹14,95,380 | +22.1% |
| Year 5 (3 Sept 2021) | ₹15,25,000 | ₹18,88,730 | +23.9% |
| Year 6 (5 Sept 2022) | ₹18,25,000 | ₹22,51,570 | +23.4% |
| Year 7 (4 Sept 2023) | ₹21,25,000 | ₹27,15,809 | +27.8% |
| Year 8 (3 Sept 2024) | ₹24,25,000 | ₹32,40,642 | +33.6% |
| Year 9 (3 Sept 2025) | ₹27,25,000 | ₹38,15,299 | +40% |
| Year 10 (3 Sept 2026) | ₹30,25,000 | ₹43,35,900 | +43.3% |
Best year of the journey: Year 4 (+10.2% market move) · Toughest year: Year 6 (2.9%)
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 NIPPON INDIA BANKING and 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.