₹1,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 10 Years
If you had started a ₹1,000/month SIP on 12 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Banking & PSU Debt Fund's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,72,526
11 Sept 2026
Absolute gain
+₹51,526
+42.6%
XIRR (annualised)
6.91%
money-weighted
The journey, month by month
Worst fall on the way
-3%
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
₹1,68,159
Modelled at historical FD rates. The fund beat FD by ₹4,367.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹13,000 | ₹13,552 | +4.2% |
| Year 2 (11 Sept 2018) | ₹25,000 | ₹26,375 | +5.5% |
| Year 3 (11 Sept 2019) | ₹37,000 | ₹42,132 | +13.9% |
| Year 4 (11 Sept 2020) | ₹49,000 | ₹59,111 | +20.6% |
| Year 5 (13 Sept 2021) | ₹61,000 | ₹75,121 | +23.1% |
| Year 6 (12 Sept 2022) | ₹73,000 | ₹89,849 | +23.1% |
| Year 7 (11 Sept 2023) | ₹85,000 | ₹1,08,198 | +27.3% |
| Year 8 (11 Sept 2024) | ₹97,000 | ₹1,29,379 | +33.4% |
| Year 9 (11 Sept 2025) | ₹1,09,000 | ₹1,52,408 | +39.8% |
| Year 10 (11 Sept 2026) | ₹1,21,000 | ₹1,72,526 | +42.6% |
Best year of the journey: Year 3 (+9.8% market move) · Toughest year: Year 6 (3.1%)
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's published NAV (source: AMFI) between 12 Sept 2016 and 11 Sept 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.