₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 10 Years
If you had started a ₹25,000/month SIP on 20 Jun 2016 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 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹28,63,467
19 Jun 2026
Absolute gain
₹-1,61,533
-5.3%
XIRR (annualised)
-1.09%
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
₹42,16,568
Modelled at historical FD rates. The fund trailed FD by ₹13,53,101.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2017) | ₹3,25,000 | ₹3,20,752 | -1.3% |
| Year 2 (19 Jun 2018) | ₹6,25,000 | ₹6,04,608 | -3.3% |
| Year 3 (19 Jun 2019) | ₹9,25,000 | ₹9,20,115 | -0.5% |
| Year 4 (19 Jun 2020) | ₹12,25,000 | ₹12,66,270 | +3.4% |
| Year 5 (21 Jun 2021) | ₹15,25,000 | ₹15,74,817 | +3.3% |
| Year 6 (20 Jun 2022) | ₹18,25,000 | ₹18,38,639 | +0.7% |
| Year 7 (19 Jun 2023) | ₹21,25,000 | ₹21,54,702 | +1.4% |
| Year 8 (19 Jun 2024) | ₹24,25,000 | ₹24,90,265 | +2.7% |
| Year 9 (19 Jun 2025) | ₹27,25,000 | ₹25,88,455 | -5% |
| Year 10 (19 Jun 2026) | ₹30,25,000 | ₹28,63,467 | -5.3% |
Best year of the journey: Year 4 (+3.8% market move) · Toughest year: Year 9 (-7.2%)
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 20 Jun 2016 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.