₹5,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹5,72,693
19 Jun 2026
Absolute gain
₹-32,307
-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
₹8,43,314
Modelled at historical FD rates. The fund trailed FD by ₹2,70,621.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2017) | ₹65,000 | ₹64,150 | -1.3% |
| Year 2 (19 Jun 2018) | ₹1,25,000 | ₹1,20,922 | -3.3% |
| Year 3 (19 Jun 2019) | ₹1,85,000 | ₹1,84,023 | -0.5% |
| Year 4 (19 Jun 2020) | ₹2,45,000 | ₹2,53,254 | +3.4% |
| Year 5 (21 Jun 2021) | ₹3,05,000 | ₹3,14,963 | +3.3% |
| Year 6 (20 Jun 2022) | ₹3,65,000 | ₹3,67,728 | +0.7% |
| Year 7 (19 Jun 2023) | ₹4,25,000 | ₹4,30,940 | +1.4% |
| Year 8 (19 Jun 2024) | ₹4,85,000 | ₹4,98,053 | +2.7% |
| Year 9 (19 Jun 2025) | ₹5,45,000 | ₹5,17,691 | -5% |
| Year 10 (19 Jun 2026) | ₹6,05,000 | ₹5,72,693 | -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.