₹5,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - retail - quarterly IDCW for 20 Years
If you had started a ₹5,000/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
₹11,40,000
228 installments
Value today
₹34,57,526
19 Jun 2026
Absolute gain
+₹23,17,526
+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
₹25,77,015
Modelled at historical FD rates. The fund beat FD by ₹8,80,511.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jul 2007) | ₹5,000 | ₹5,000 | +0% |
| Year 2 (19 Jun 2008) | ₹60,000 | ₹60,245 | +0.4% |
| Year 3 (19 Jun 2009) | ₹1,20,000 | ₹1,21,448 | +1.2% |
| Year 4 (21 Jun 2010) | ₹1,80,000 | ₹1,82,804 | +1.6% |
| Year 5 (20 Jun 2011) | ₹2,40,000 | ₹2,44,017 | +1.7% |
| Year 6 (19 Jun 2012) | ₹3,00,000 | ₹26,76,970 | +792.3% |
| Year 7 (19 Jun 2013) | ₹3,60,000 | ₹27,50,001 | +663.9% |
| Year 8 (19 Jun 2014) | ₹4,20,000 | ₹28,12,665 | +569.7% |
| Year 9 (19 Jun 2015) | ₹4,80,000 | ₹29,24,823 | +509.3% |
| Year 10 (20 Jun 2016) | ₹5,40,000 | ₹29,83,328 | +452.5% |
| Year 11 (19 Jun 2017) | ₹6,00,000 | ₹30,81,426 | +413.6% |
| Year 12 (19 Jun 2018) | ₹6,60,000 | ₹30,52,346 | +362.5% |
| Year 13 (19 Jun 2019) | ₹7,20,000 | ₹31,78,986 | +341.5% |
| Year 14 (19 Jun 2020) | ₹7,80,000 | ₹33,78,887 | +333.2% |
| Year 15 (21 Jun 2021) | ₹8,40,000 | ₹34,66,860 | +312.7% |
| Year 16 (20 Jun 2022) | ₹9,00,000 | ₹34,59,231 | +284.4% |
| Year 17 (19 Jun 2023) | ₹9,60,000 | ₹35,50,439 | +269.8% |
| Year 18 (19 Jun 2024) | ₹10,20,000 | ₹36,64,463 | +259.3% |
| Year 19 (19 Jun 2025) | ₹10,80,000 | ₹34,28,049 | +217.4% |
| Year 20 (19 Jun 2026) | ₹11,40,000 | ₹34,57,526 | +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.