₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 20 Years
If you had started a ₹25,000/month SIP on 19 Jul 2007 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 228 installments.
You invested
₹57,00,000
228 installments
Value today
₹1,72,87,630
19 Jun 2026
Absolute gain
+₹1,15,87,630
+203.3%
XIRR (annualised)
10.63%
money-weighted
The journey, month by month
Worst fall on the way
-9.4%
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
₹1,28,85,075
Modelled at historical FD rates. The fund beat FD by ₹44,02,555.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jul 2007) | ₹25,000 | ₹25,000 | +0% |
| Year 2 (19 Jun 2008) | ₹3,00,000 | ₹3,01,223 | +0.4% |
| Year 3 (19 Jun 2009) | ₹6,00,000 | ₹6,07,239 | +1.2% |
| Year 4 (21 Jun 2010) | ₹9,00,000 | ₹9,14,020 | +1.6% |
| Year 5 (20 Jun 2011) | ₹12,00,000 | ₹12,20,084 | +1.7% |
| Year 6 (19 Jun 2012) | ₹15,00,000 | ₹1,33,84,848 | +792.3% |
| Year 7 (19 Jun 2013) | ₹18,00,000 | ₹1,37,50,006 | +663.9% |
| Year 8 (19 Jun 2014) | ₹21,00,000 | ₹1,40,63,327 | +569.7% |
| Year 9 (19 Jun 2015) | ₹24,00,000 | ₹1,46,24,114 | +509.3% |
| Year 10 (20 Jun 2016) | ₹27,00,000 | ₹1,49,16,640 | +452.5% |
| Year 11 (19 Jun 2017) | ₹30,00,000 | ₹1,54,07,131 | +413.6% |
| Year 12 (19 Jun 2018) | ₹33,00,000 | ₹1,52,61,731 | +362.5% |
| Year 13 (19 Jun 2019) | ₹36,00,000 | ₹1,58,94,932 | +341.5% |
| Year 14 (19 Jun 2020) | ₹39,00,000 | ₹1,68,94,435 | +333.2% |
| Year 15 (21 Jun 2021) | ₹42,00,000 | ₹1,73,34,300 | +312.7% |
| Year 16 (20 Jun 2022) | ₹45,00,000 | ₹1,72,96,157 | +284.4% |
| Year 17 (19 Jun 2023) | ₹48,00,000 | ₹1,77,52,194 | +269.8% |
| Year 18 (19 Jun 2024) | ₹51,00,000 | ₹1,83,22,317 | +259.3% |
| Year 19 (19 Jun 2025) | ₹54,00,000 | ₹1,71,40,246 | +217.4% |
| Year 20 (19 Jun 2026) | ₹57,00,000 | ₹1,72,87,630 | +203.3% |
Best year of the journey: Year 6 (+780.5% market move) · Toughest year: Year 19 (-8%)
Wealth Time Machine
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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 Jul 2007 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.