₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW for 3 Years
If you had started a ₹10,000/month SIP on 19 Jun 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,78,048
19 Jun 2026
Absolute gain
+₹8,048
+2.2%
XIRR (annualised)
1.4%
money-weighted
The journey, month by month
Worst fall on the way
-0.9%
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
₹4,12,079
Modelled at historical FD rates. The fund trailed FD by ₹34,031.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2024) | ₹1,30,000 | ₹1,30,455 | +0.4% |
| Year 2 (19 Jun 2025) | ₹2,50,000 | ₹2,55,558 | +2.2% |
| Year 3 (19 Jun 2026) | ₹3,70,000 | ₹3,78,048 | +2.2% |
Best year of the journey: Year 2 (+2% market move) · Toughest year: Year 1 (0.4%)
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 Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW's published NAV (source: AMFI) between 19 Jun 2023 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.