₹5,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan for 10 Years
If you had started a ₹5,000/month SIP on 20 Jun 2016 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 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹8,52,886
19 Jun 2026
Absolute gain
+₹2,47,886
+41%
XIRR (annualised)
6.67%
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
₹8,43,314
Modelled at historical FD rates. The fund beat FD by ₹9,572.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2017) | ₹65,000 | ₹68,010 | +4.6% |
| Year 2 (19 Jun 2018) | ₹1,25,000 | ₹1,32,049 | +5.6% |
| Year 3 (19 Jun 2019) | ₹1,85,000 | ₹2,08,305 | +12.6% |
| Year 4 (19 Jun 2020) | ₹2,45,000 | ₹2,94,650 | +20.3% |
| Year 5 (21 Jun 2021) | ₹3,05,000 | ₹3,74,479 | +22.8% |
| Year 6 (20 Jun 2022) | ₹3,65,000 | ₹4,45,183 | +22% |
| Year 7 (19 Jun 2023) | ₹4,25,000 | ₹5,37,089 | +26.4% |
| Year 8 (19 Jun 2024) | ₹4,85,000 | ₹6,36,266 | +31.2% |
| Year 9 (19 Jun 2025) | ₹5,45,000 | ₹7,57,042 | +38.9% |
| Year 10 (19 Jun 2026) | ₹6,05,000 | ₹8,52,886 | +41% |
Best year of the journey: Year 4 (+9.8% market move) · Toughest year: Year 6 (2.5%)
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 20 Jun 2016 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.