₹10,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 10 Years
If you had started a ₹10,000/month SIP on 29 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
₹12,10,000
121 installments
Value today
₹17,22,109
29 Sept 2026
Absolute gain
+₹5,12,109
+42.3%
XIRR (annualised)
6.82%
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
₹16,86,719
Modelled at historical FD rates. The fund beat FD by ₹35,390.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,35,433 | +4.2% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,75,229 | +5.9% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹4,21,174 | +13.8% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹5,91,800 | +20.8% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹7,51,497 | +23.2% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹8,96,383 | +22.8% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹10,85,195 | +27.7% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹13,01,870 | +34.2% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹15,29,110 | +40.3% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹17,22,109 | +42.3% |
Best year of the journey: Year 4 (+9.4% market move) · Toughest year: Year 6 (2.9%)
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 29 Sept 2016 and 29 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.