₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 5 Years
If you had started a ₹10,000/month SIP on 21 Jun 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹5,77,987
19 Jun 2026
Absolute gain
₹-32,013
-5.2%
XIRR (annualised)
-2.11%
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
₹7,14,805
Modelled at historical FD rates. The fund trailed FD by ₹1,36,818.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Jun 2022) | ₹1,30,000 | ₹1,27,407 | -2% |
| Year 2 (19 Jun 2023) | ₹2,50,000 | ₹2,48,326 | -0.7% |
| Year 3 (19 Jun 2024) | ₹3,70,000 | ₹3,73,324 | +0.9% |
| Year 4 (19 Jun 2025) | ₹4,90,000 | ₹4,62,962 | -5.5% |
| Year 5 (19 Jun 2026) | ₹6,10,000 | ₹5,77,987 | -5.2% |
Best year of the journey: Year 3 (+1.4% market move) · Toughest year: Year 4 (-6.2%)
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 21 Jun 2021 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.