₹2,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹55,18,507
19 Jun 2026
Absolute gain
+₹50,36,507
+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
₹11,42,235
Modelled at historical FD rates. The fund beat FD by ₹43,76,272.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹26,000 | ₹27,302 | +5% |
| Year 2 (19 Jun 2008) | ₹50,000 | ₹54,821 | +9.6% |
| Year 3 (19 Jun 2009) | ₹74,000 | ₹83,914 | +13.4% |
| Year 4 (21 Jun 2010) | ₹98,000 | ₹1,12,177 | +14.5% |
| Year 5 (20 Jun 2011) | ₹1,22,000 | ₹1,45,382 | +19.2% |
| Year 6 (19 Jun 2012) | ₹1,46,000 | ₹16,97,187 | +1062.5% |
| Year 7 (19 Jun 2013) | ₹1,70,000 | ₹18,77,246 | +1004.3% |
| Year 8 (19 Jun 2014) | ₹1,94,000 | ₹21,03,400 | +984.2% |
| Year 9 (19 Jun 2015) | ₹2,18,000 | ₹23,52,767 | +979.3% |
| Year 10 (20 Jun 2016) | ₹2,42,000 | ₹25,95,789 | +972.6% |
| Year 11 (19 Jun 2017) | ₹2,66,000 | ₹28,98,576 | +989.7% |
| Year 12 (19 Jun 2018) | ₹2,90,000 | ₹30,47,034 | +950.7% |
| Year 13 (19 Jun 2019) | ₹3,14,000 | ₹33,71,640 | +973.8% |
| Year 14 (19 Jun 2020) | ₹3,38,000 | ₹37,66,135 | +1014.2% |
| Year 15 (21 Jun 2021) | ₹3,62,000 | ₹40,25,011 | +1011.9% |
| Year 16 (20 Jun 2022) | ₹3,86,000 | ₹41,58,893 | +977.4% |
| Year 17 (19 Jun 2023) | ₹4,10,000 | ₹44,61,701 | +988.2% |
| Year 18 (19 Jun 2024) | ₹4,34,000 | ₹47,93,572 | +1004.5% |
| Year 19 (19 Jun 2025) | ₹4,58,000 | ₹52,55,405 | +1047.5% |
| Year 20 (19 Jun 2026) | ₹4,82,000 | ₹55,18,507 | +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.
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 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.