₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - monthly IDCW for 15 Years
If you had started a ₹25,000/month SIP on 20 Jun 2011 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 181 installments.
You invested
₹45,25,000
181 installments
Value today
₹61,25,632
19 Jun 2026
Absolute gain
+₹16,00,632
+35.4%
XIRR (annualised)
3.9%
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
₹84,54,141
Modelled at historical FD rates. The fund trailed FD by ₹23,28,509.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2012) | ₹3,25,000 | ₹14,50,000 | +346.2% |
| Year 2 (19 Jun 2013) | ₹6,25,000 | ₹17,53,221 | +180.5% |
| Year 3 (19 Jun 2014) | ₹9,25,000 | ₹20,93,756 | +126.4% |
| Year 4 (19 Jun 2015) | ₹12,25,000 | ₹24,43,252 | +99.4% |
| Year 5 (20 Jun 2016) | ₹15,25,000 | ₹27,69,205 | +81.6% |
| Year 6 (19 Jun 2017) | ₹18,25,000 | ₹31,30,146 | +71.5% |
| Year 7 (19 Jun 2018) | ₹21,25,000 | ₹33,38,781 | +57.1% |
| Year 8 (19 Jun 2019) | ₹24,25,000 | ₹37,13,763 | +53.1% |
| Year 9 (19 Jun 2020) | ₹27,25,000 | ₹41,79,460 | +53.4% |
| Year 10 (21 Jun 2021) | ₹30,25,000 | ₹45,11,026 | +49.1% |
| Year 11 (20 Jun 2022) | ₹33,25,000 | ₹47,19,815 | +41.9% |
| Year 12 (19 Jun 2023) | ₹36,25,000 | ₹50,75,342 | +40% |
| Year 13 (19 Jun 2024) | ₹39,25,000 | ₹53,56,100 | +36.5% |
| Year 14 (19 Jun 2025) | ₹42,25,000 | ₹57,88,983 | +37% |
| Year 15 (19 Jun 2026) | ₹45,25,000 | ₹61,25,632 | +35.4% |
Best year of the journey: Year 1 (+346.2% market move) · Toughest year: Year 7 (-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.
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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 2011 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.