₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 3 Years
If you had started a ₹10,000/month SIP on 19 Jun 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,57,589
19 Jun 2026
Absolute gain
₹-12,411
-3.4%
XIRR (annualised)
-2.2%
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
₹4,12,079
Modelled at historical FD rates. The fund trailed FD by ₹54,490.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2024) | ₹1,30,000 | ₹1,31,414 | +1.1% |
| Year 2 (19 Jun 2025) | ₹2,50,000 | ₹2,40,614 | -3.8% |
| Year 3 (19 Jun 2026) | ₹3,70,000 | ₹3,57,589 | -3.4% |
Best year of the journey: Year 1 (+1.1% market move) · Toughest year: Year 2 (-4.3%)
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 Jun 2023 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.