₹2,000 Monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND for 10 Years
If you had started a ₹2,000/month SIP on 2 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI BANKING & FINANCIAL SERVICES FUND's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹5,26,633
2 Sept 2026
Absolute gain
+₹2,84,633
+117.6%
XIRR (annualised)
14.95%
money-weighted
The journey, month by month
Worst fall on the way
-42.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,35,814
Modelled at historical FD rates. The fund beat FD by ₹1,90,819.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹26,000 | ₹30,493 | +17.3% |
| Year 2 (3 Sept 2018) | ₹50,000 | ₹63,556 | +27.1% |
| Year 3 (3 Sept 2019) | ₹74,000 | ₹86,633 | +17.1% |
| Year 4 (2 Sept 2020) | ₹98,000 | ₹1,10,178 | +12.4% |
| Year 5 (2 Sept 2021) | ₹1,22,000 | ₹1,97,810 | +62.1% |
| Year 6 (2 Sept 2022) | ₹1,46,000 | ₹2,28,109 | +56.2% |
| Year 7 (4 Sept 2023) | ₹1,70,000 | ₹2,80,982 | +65.3% |
| Year 8 (2 Sept 2024) | ₹1,94,000 | ₹4,08,143 | +110.4% |
| Year 9 (2 Sept 2025) | ₹2,18,000 | ₹4,77,804 | +119.2% |
| Year 10 (2 Sept 2026) | ₹2,42,000 | ₹5,26,633 | +117.6% |
Best year of the journey: Year 5 (+47.4% market move) · Toughest year: Year 3 (-1.1%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using SBI BANKING & FINANCIAL SERVICES FUND's published NAV (source: AMFI) between 2 Sept 2016 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.