₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹6,89,81,332
19 Jun 2026
Absolute gain
+₹6,29,56,332
+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
₹1,42,77,937
Modelled at historical FD rates. The fund beat FD by ₹5,47,03,395.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹3,25,000 | ₹3,41,280 | +5% |
| Year 2 (19 Jun 2008) | ₹6,25,000 | ₹6,85,267 | +9.6% |
| Year 3 (19 Jun 2009) | ₹9,25,000 | ₹10,48,929 | +13.4% |
| Year 4 (21 Jun 2010) | ₹12,25,000 | ₹14,02,219 | +14.5% |
| Year 5 (20 Jun 2011) | ₹15,25,000 | ₹18,17,275 | +19.2% |
| Year 6 (19 Jun 2012) | ₹18,25,000 | ₹2,12,14,840 | +1062.5% |
| Year 7 (19 Jun 2013) | ₹21,25,000 | ₹2,34,65,578 | +1004.3% |
| Year 8 (19 Jun 2014) | ₹24,25,000 | ₹2,62,92,494 | +984.2% |
| Year 9 (19 Jun 2015) | ₹27,25,000 | ₹2,94,09,593 | +979.3% |
| Year 10 (20 Jun 2016) | ₹30,25,000 | ₹3,24,47,362 | +972.6% |
| Year 11 (19 Jun 2017) | ₹33,25,000 | ₹3,62,32,196 | +989.7% |
| Year 12 (19 Jun 2018) | ₹36,25,000 | ₹3,80,87,925 | +950.7% |
| Year 13 (19 Jun 2019) | ₹39,25,000 | ₹4,21,45,495 | +973.8% |
| Year 14 (19 Jun 2020) | ₹42,25,000 | ₹4,70,76,691 | +1014.2% |
| Year 15 (21 Jun 2021) | ₹45,25,000 | ₹5,03,12,640 | +1011.9% |
| Year 16 (20 Jun 2022) | ₹48,25,000 | ₹5,19,86,163 | +977.4% |
| Year 17 (19 Jun 2023) | ₹51,25,000 | ₹5,57,71,259 | +988.2% |
| Year 18 (19 Jun 2024) | ₹54,25,000 | ₹5,99,19,648 | +1004.5% |
| Year 19 (19 Jun 2025) | ₹57,25,000 | ₹6,56,92,566 | +1047.5% |
| Year 20 (19 Jun 2026) | ₹60,25,000 | ₹6,89,81,332 | +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.