₹1,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 10 Years
If you had started a ₹1,000/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 - quarterly IDCW's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,14,539
19 Jun 2026
Absolute gain
₹-6,461
-5.3%
XIRR (annualised)
-1.09%
money-weighted
The journey, month by month
Worst fall on the way
-7.5%
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
₹1,68,663
Modelled at historical FD rates. The fund trailed FD by ₹54,124.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2017) | ₹13,000 | ₹12,830 | -1.3% |
| Year 2 (19 Jun 2018) | ₹25,000 | ₹24,184 | -3.3% |
| Year 3 (19 Jun 2019) | ₹37,000 | ₹36,805 | -0.5% |
| Year 4 (19 Jun 2020) | ₹49,000 | ₹50,651 | +3.4% |
| Year 5 (21 Jun 2021) | ₹61,000 | ₹62,993 | +3.3% |
| Year 6 (20 Jun 2022) | ₹73,000 | ₹73,546 | +0.7% |
| Year 7 (19 Jun 2023) | ₹85,000 | ₹86,188 | +1.4% |
| Year 8 (19 Jun 2024) | ₹97,000 | ₹99,611 | +2.7% |
| Year 9 (19 Jun 2025) | ₹1,09,000 | ₹1,03,538 | -5% |
| Year 10 (19 Jun 2026) | ₹1,21,000 | ₹1,14,539 | -5.3% |
Best year of the journey: Year 4 (+3.8% market move) · Toughest year: Year 9 (-7.2%)
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 - quarterly IDCW'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.