₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 15 Years
If you had started a ₹10,000/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 - quarterly IDCW's actual NAV for all 181 installments.
You invested
₹18,10,000
181 installments
Value today
₹21,77,356
19 Jun 2026
Absolute gain
+₹3,67,356
+20.3%
XIRR (annualised)
2.41%
money-weighted
The journey, month by month
Worst fall on the way
-8.4%
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
₹33,81,656
Modelled at historical FD rates. The fund trailed FD by ₹12,04,300.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2012) | ₹1,30,000 | ₹5,79,061 | +345.4% |
| Year 2 (19 Jun 2013) | ₹2,50,000 | ₹7,02,169 | +180.9% |
| Year 3 (19 Jun 2014) | ₹3,70,000 | ₹8,22,280 | +122.2% |
| Year 4 (19 Jun 2015) | ₹4,90,000 | ₹9,56,838 | +95.3% |
| Year 5 (20 Jun 2016) | ₹6,10,000 | ₹10,75,415 | +76.3% |
| Year 6 (19 Jun 2017) | ₹7,30,000 | ₹12,07,649 | +65.4% |
| Year 7 (19 Jun 2018) | ₹8,50,000 | ₹12,90,480 | +51.8% |
| Year 8 (19 Jun 2019) | ₹9,70,000 | ₹14,39,412 | +48.4% |
| Year 9 (19 Jun 2020) | ₹10,90,000 | ₹16,24,618 | +49% |
| Year 10 (21 Jun 2021) | ₹12,10,000 | ₹17,57,431 | +45.2% |
| Year 11 (20 Jun 2022) | ₹13,30,000 | ₹18,41,356 | +38.4% |
| Year 12 (19 Jun 2023) | ₹14,50,000 | ₹19,77,796 | +36.4% |
| Year 13 (19 Jun 2024) | ₹15,70,000 | ₹21,28,802 | +35.6% |
| Year 14 (19 Jun 2025) | ₹16,90,000 | ₹20,76,483 | +22.9% |
| Year 15 (19 Jun 2026) | ₹18,10,000 | ₹21,77,356 | +20.3% |
Best year of the journey: Year 1 (+345.4% market move) · Toughest year: Year 14 (-7.7%)
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 - quarterly IDCW'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.