₹2,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 15 Years
If you had started a ₹2,000/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
₹3,62,000
181 installments
Value today
₹4,35,471
19 Jun 2026
Absolute gain
+₹73,471
+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
₹6,76,331
Modelled at historical FD rates. The fund trailed FD by ₹2,40,860.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2012) | ₹26,000 | ₹1,15,812 | +345.4% |
| Year 2 (19 Jun 2013) | ₹50,000 | ₹1,40,434 | +180.9% |
| Year 3 (19 Jun 2014) | ₹74,000 | ₹1,64,456 | +122.2% |
| Year 4 (19 Jun 2015) | ₹98,000 | ₹1,91,368 | +95.3% |
| Year 5 (20 Jun 2016) | ₹1,22,000 | ₹2,15,083 | +76.3% |
| Year 6 (19 Jun 2017) | ₹1,46,000 | ₹2,41,530 | +65.4% |
| Year 7 (19 Jun 2018) | ₹1,70,000 | ₹2,58,096 | +51.8% |
| Year 8 (19 Jun 2019) | ₹1,94,000 | ₹2,87,882 | +48.4% |
| Year 9 (19 Jun 2020) | ₹2,18,000 | ₹3,24,924 | +49% |
| Year 10 (21 Jun 2021) | ₹2,42,000 | ₹3,51,486 | +45.2% |
| Year 11 (20 Jun 2022) | ₹2,66,000 | ₹3,68,271 | +38.4% |
| Year 12 (19 Jun 2023) | ₹2,90,000 | ₹3,95,559 | +36.4% |
| Year 13 (19 Jun 2024) | ₹3,14,000 | ₹4,25,760 | +35.6% |
| Year 14 (19 Jun 2025) | ₹3,38,000 | ₹4,15,297 | +22.9% |
| Year 15 (19 Jun 2026) | ₹3,62,000 | ₹4,35,471 | +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.