₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹54,43,391
19 Jun 2026
Absolute gain
+₹9,18,391
+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
₹84,54,141
Modelled at historical FD rates. The fund trailed FD by ₹30,10,750.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2012) | ₹3,25,000 | ₹14,47,653 | +345.4% |
| Year 2 (19 Jun 2013) | ₹6,25,000 | ₹17,55,422 | +180.9% |
| Year 3 (19 Jun 2014) | ₹9,25,000 | ₹20,55,701 | +122.2% |
| Year 4 (19 Jun 2015) | ₹12,25,000 | ₹23,92,094 | +95.3% |
| Year 5 (20 Jun 2016) | ₹15,25,000 | ₹26,88,538 | +76.3% |
| Year 6 (19 Jun 2017) | ₹18,25,000 | ₹30,19,121 | +65.4% |
| Year 7 (19 Jun 2018) | ₹21,25,000 | ₹32,26,200 | +51.8% |
| Year 8 (19 Jun 2019) | ₹24,25,000 | ₹35,98,530 | +48.4% |
| Year 9 (19 Jun 2020) | ₹27,25,000 | ₹40,61,544 | +49% |
| Year 10 (21 Jun 2021) | ₹30,25,000 | ₹43,93,578 | +45.2% |
| Year 11 (20 Jun 2022) | ₹33,25,000 | ₹46,03,390 | +38.4% |
| Year 12 (19 Jun 2023) | ₹36,25,000 | ₹49,44,489 | +36.4% |
| Year 13 (19 Jun 2024) | ₹39,25,000 | ₹53,22,006 | +35.6% |
| Year 14 (19 Jun 2025) | ₹42,25,000 | ₹51,91,207 | +22.9% |
| Year 15 (19 Jun 2026) | ₹45,25,000 | ₹54,43,391 | +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.
Try a different amount
Try a different duration
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.