₹5,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹1,37,96,266
19 Jun 2026
Absolute gain
+₹1,25,91,266
+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
₹28,55,587
Modelled at historical FD rates. The fund beat FD by ₹1,09,40,679.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹65,000 | ₹68,256 | +5% |
| Year 2 (19 Jun 2008) | ₹1,25,000 | ₹1,37,053 | +9.6% |
| Year 3 (19 Jun 2009) | ₹1,85,000 | ₹2,09,786 | +13.4% |
| Year 4 (21 Jun 2010) | ₹2,45,000 | ₹2,80,444 | +14.5% |
| Year 5 (20 Jun 2011) | ₹3,05,000 | ₹3,63,455 | +19.2% |
| Year 6 (19 Jun 2012) | ₹3,65,000 | ₹42,42,968 | +1062.5% |
| Year 7 (19 Jun 2013) | ₹4,25,000 | ₹46,93,116 | +1004.3% |
| Year 8 (19 Jun 2014) | ₹4,85,000 | ₹52,58,499 | +984.2% |
| Year 9 (19 Jun 2015) | ₹5,45,000 | ₹58,81,919 | +979.3% |
| Year 10 (20 Jun 2016) | ₹6,05,000 | ₹64,89,472 | +972.6% |
| Year 11 (19 Jun 2017) | ₹6,65,000 | ₹72,46,439 | +989.7% |
| Year 12 (19 Jun 2018) | ₹7,25,000 | ₹76,17,585 | +950.7% |
| Year 13 (19 Jun 2019) | ₹7,85,000 | ₹84,29,099 | +973.8% |
| Year 14 (19 Jun 2020) | ₹8,45,000 | ₹94,15,338 | +1014.2% |
| Year 15 (21 Jun 2021) | ₹9,05,000 | ₹1,00,62,528 | +1011.9% |
| Year 16 (20 Jun 2022) | ₹9,65,000 | ₹1,03,97,233 | +977.4% |
| Year 17 (19 Jun 2023) | ₹10,25,000 | ₹1,11,54,252 | +988.2% |
| Year 18 (19 Jun 2024) | ₹10,85,000 | ₹1,19,83,930 | +1004.5% |
| Year 19 (19 Jun 2025) | ₹11,45,000 | ₹1,31,38,513 | +1047.5% |
| Year 20 (19 Jun 2026) | ₹12,05,000 | ₹1,37,96,266 | +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.