₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan for 20 Years
If you had started a ₹10,000/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
₹24,10,000
241 installments
Value today
₹2,75,92,533
19 Jun 2026
Absolute gain
+₹2,51,82,533
+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
₹57,11,175
Modelled at historical FD rates. The fund beat FD by ₹2,18,81,358.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹1,30,000 | ₹1,36,512 | +5% |
| Year 2 (19 Jun 2008) | ₹2,50,000 | ₹2,74,107 | +9.6% |
| Year 3 (19 Jun 2009) | ₹3,70,000 | ₹4,19,572 | +13.4% |
| Year 4 (21 Jun 2010) | ₹4,90,000 | ₹5,60,887 | +14.5% |
| Year 5 (20 Jun 2011) | ₹6,10,000 | ₹7,26,910 | +19.2% |
| Year 6 (19 Jun 2012) | ₹7,30,000 | ₹84,85,936 | +1062.5% |
| Year 7 (19 Jun 2013) | ₹8,50,000 | ₹93,86,231 | +1004.3% |
| Year 8 (19 Jun 2014) | ₹9,70,000 | ₹1,05,16,998 | +984.2% |
| Year 9 (19 Jun 2015) | ₹10,90,000 | ₹1,17,63,837 | +979.3% |
| Year 10 (20 Jun 2016) | ₹12,10,000 | ₹1,29,78,945 | +972.6% |
| Year 11 (19 Jun 2017) | ₹13,30,000 | ₹1,44,92,878 | +989.7% |
| Year 12 (19 Jun 2018) | ₹14,50,000 | ₹1,52,35,170 | +950.7% |
| Year 13 (19 Jun 2019) | ₹15,70,000 | ₹1,68,58,198 | +973.8% |
| Year 14 (19 Jun 2020) | ₹16,90,000 | ₹1,88,30,676 | +1014.2% |
| Year 15 (21 Jun 2021) | ₹18,10,000 | ₹2,01,25,056 | +1011.9% |
| Year 16 (20 Jun 2022) | ₹19,30,000 | ₹2,07,94,465 | +977.4% |
| Year 17 (19 Jun 2023) | ₹20,50,000 | ₹2,23,08,504 | +988.2% |
| Year 18 (19 Jun 2024) | ₹21,70,000 | ₹2,39,67,859 | +1004.5% |
| Year 19 (19 Jun 2025) | ₹22,90,000 | ₹2,62,77,026 | +1047.5% |
| Year 20 (19 Jun 2026) | ₹24,10,000 | ₹2,75,92,533 | +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.