₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW for 10 Years
If you had started a ₹10,000/month SIP on 20 Jun 2016 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹12,62,095
19 Jun 2026
Absolute gain
+₹52,095
+4.3%
XIRR (annualised)
0.83%
money-weighted
The journey, month by month
Worst fall on the way
-3.1%
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
₹16,86,627
Modelled at historical FD rates. The fund trailed FD by ₹4,24,532.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2017) | ₹1,30,000 | ₹1,30,664 | +0.5% |
| Year 2 (19 Jun 2018) | ₹2,50,000 | ₹2,45,618 | -1.8% |
| Year 3 (19 Jun 2019) | ₹3,70,000 | ₹3,73,027 | +0.8% |
| Year 4 (19 Jun 2020) | ₹4,90,000 | ₹5,12,333 | +4.6% |
| Year 5 (21 Jun 2021) | ₹6,10,000 | ₹6,36,288 | +4.3% |
| Year 6 (20 Jun 2022) | ₹7,30,000 | ₹7,42,462 | +1.7% |
| Year 7 (19 Jun 2023) | ₹8,50,000 | ₹8,71,834 | +2.6% |
| Year 8 (19 Jun 2024) | ₹9,70,000 | ₹9,88,811 | +1.9% |
| Year 9 (19 Jun 2025) | ₹10,90,000 | ₹11,34,413 | +4.1% |
| Year 10 (19 Jun 2026) | ₹12,10,000 | ₹12,62,095 | +4.3% |
Best year of the journey: Year 4 (+3.9% market move) · Toughest year: Year 2 (-2%)
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 Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW's published NAV (source: AMFI) between 20 Jun 2016 and 19 Jun 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.