₹1,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan for 20 Years
If you had started a ₹1,000/month SIP on 19 Jun 2006 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹27,59,253
19 Jun 2026
Absolute gain
+₹25,18,253
+1044.9%
XIRR (annualised)
20.79%
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
₹5,71,117
Modelled at historical FD rates. The fund beat FD by ₹21,88,136.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹13,000 | ₹13,651 | +5% |
| Year 2 (19 Jun 2008) | ₹25,000 | ₹27,411 | +9.6% |
| Year 3 (19 Jun 2009) | ₹37,000 | ₹41,957 | +13.4% |
| Year 4 (21 Jun 2010) | ₹49,000 | ₹56,089 | +14.5% |
| Year 5 (20 Jun 2011) | ₹61,000 | ₹72,691 | +19.2% |
| Year 6 (19 Jun 2012) | ₹73,000 | ₹8,48,594 | +1062.5% |
| Year 7 (19 Jun 2013) | ₹85,000 | ₹9,38,623 | +1004.3% |
| Year 8 (19 Jun 2014) | ₹97,000 | ₹10,51,700 | +984.2% |
| Year 9 (19 Jun 2015) | ₹1,09,000 | ₹11,76,384 | +979.3% |
| Year 10 (20 Jun 2016) | ₹1,21,000 | ₹12,97,894 | +972.6% |
| Year 11 (19 Jun 2017) | ₹1,33,000 | ₹14,49,288 | +989.7% |
| Year 12 (19 Jun 2018) | ₹1,45,000 | ₹15,23,517 | +950.7% |
| Year 13 (19 Jun 2019) | ₹1,57,000 | ₹16,85,820 | +973.8% |
| Year 14 (19 Jun 2020) | ₹1,69,000 | ₹18,83,068 | +1014.2% |
| Year 15 (21 Jun 2021) | ₹1,81,000 | ₹20,12,506 | +1011.9% |
| Year 16 (20 Jun 2022) | ₹1,93,000 | ₹20,79,447 | +977.4% |
| Year 17 (19 Jun 2023) | ₹2,05,000 | ₹22,30,850 | +988.2% |
| Year 18 (19 Jun 2024) | ₹2,17,000 | ₹23,96,786 | +1004.5% |
| Year 19 (19 Jun 2025) | ₹2,29,000 | ₹26,27,703 | +1047.5% |
| Year 20 (19 Jun 2026) | ₹2,41,000 | ₹27,59,253 | +1044.9% |
Best year of the journey: Year 6 (+902% market move) · Toughest year: Year 16 (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 Plan's published NAV (source: AMFI) between 19 Jun 2006 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.