₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan 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 Plan's actual NAV for all 181 installments.
You invested
₹45,25,000
181 installments
Value today
₹1,16,86,827
19 Jun 2026
Absolute gain
+₹71,61,827
+158.3%
XIRR (annualised)
11.71%
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 beat FD by ₹32,32,686.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2012) | ₹3,25,000 | ₹15,61,918 | +380.6% |
| Year 2 (19 Jun 2013) | ₹6,25,000 | ₹20,18,175 | +222.9% |
| Year 3 (19 Jun 2014) | ₹9,25,000 | ₹25,51,930 | +175.9% |
| Year 4 (19 Jun 2015) | ₹12,25,000 | ₹31,38,598 | +156.2% |
| Year 5 (20 Jun 2016) | ₹15,25,000 | ₹37,43,529 | +145.5% |
| Year 6 (19 Jun 2017) | ₹18,25,000 | ₹44,56,531 | +144.2% |
| Year 7 (19 Jun 2018) | ₹21,25,000 | ₹49,52,837 | +133.1% |
| Year 8 (19 Jun 2019) | ₹24,25,000 | ₹57,55,750 | +137.4% |
| Year 9 (19 Jun 2020) | ₹27,25,000 | ₹67,03,522 | +146% |
| Year 10 (21 Jun 2021) | ₹30,25,000 | ₹74,28,017 | +145.6% |
| Year 11 (20 Jun 2022) | ₹33,25,000 | ₹79,32,929 | +138.6% |
| Year 12 (19 Jun 2023) | ₹36,25,000 | ₹87,73,869 | +142% |
| Year 13 (19 Jun 2024) | ₹39,25,000 | ₹96,88,663 | +146.8% |
| Year 14 (19 Jun 2025) | ₹42,25,000 | ₹1,08,85,383 | +157.6% |
| Year 15 (19 Jun 2026) | ₹45,25,000 | ₹1,16,86,827 | +158.3% |
Best year of the journey: Year 1 (+380.6% market move) · Toughest year: Year 11 (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 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.