₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 20 Years
If you had started a ₹10,000/month SIP on 19 Jul 2007 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 228 installments.
You invested
₹22,80,000
228 installments
Value today
₹69,15,052
19 Jun 2026
Absolute gain
+₹46,35,052
+203.3%
XIRR (annualised)
10.63%
money-weighted
The journey, month by month
Worst fall on the way
-9.4%
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
₹51,54,030
Modelled at historical FD rates. The fund beat FD by ₹17,61,022.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jul 2007) | ₹10,000 | ₹10,000 | +0% |
| Year 2 (19 Jun 2008) | ₹1,20,000 | ₹1,20,489 | +0.4% |
| Year 3 (19 Jun 2009) | ₹2,40,000 | ₹2,42,896 | +1.2% |
| Year 4 (21 Jun 2010) | ₹3,60,000 | ₹3,65,608 | +1.6% |
| Year 5 (20 Jun 2011) | ₹4,80,000 | ₹4,88,033 | +1.7% |
| Year 6 (19 Jun 2012) | ₹6,00,000 | ₹53,53,939 | +792.3% |
| Year 7 (19 Jun 2013) | ₹7,20,000 | ₹55,00,002 | +663.9% |
| Year 8 (19 Jun 2014) | ₹8,40,000 | ₹56,25,331 | +569.7% |
| Year 9 (19 Jun 2015) | ₹9,60,000 | ₹58,49,645 | +509.3% |
| Year 10 (20 Jun 2016) | ₹10,80,000 | ₹59,66,656 | +452.5% |
| Year 11 (19 Jun 2017) | ₹12,00,000 | ₹61,62,853 | +413.6% |
| Year 12 (19 Jun 2018) | ₹13,20,000 | ₹61,04,693 | +362.5% |
| Year 13 (19 Jun 2019) | ₹14,40,000 | ₹63,57,973 | +341.5% |
| Year 14 (19 Jun 2020) | ₹15,60,000 | ₹67,57,774 | +333.2% |
| Year 15 (21 Jun 2021) | ₹16,80,000 | ₹69,33,720 | +312.7% |
| Year 16 (20 Jun 2022) | ₹18,00,000 | ₹69,18,463 | +284.4% |
| Year 17 (19 Jun 2023) | ₹19,20,000 | ₹71,00,878 | +269.8% |
| Year 18 (19 Jun 2024) | ₹20,40,000 | ₹73,28,927 | +259.3% |
| Year 19 (19 Jun 2025) | ₹21,60,000 | ₹68,56,099 | +217.4% |
| Year 20 (19 Jun 2026) | ₹22,80,000 | ₹69,15,052 | +203.3% |
Best year of the journey: Year 6 (+780.5% market move) · Toughest year: Year 19 (-8%)
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 19 Jul 2007 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.