₹2,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 10 Years
If you had started a ₹2,000/month SIP on 19 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
₹2,42,000
121 installments
Value today
₹3,45,011
18 Sept 2026
Absolute gain
+₹1,03,011
+42.6%
XIRR (annualised)
6.89%
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
₹3,36,716
Modelled at historical FD rates. The fund beat FD by ₹8,295.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹26,000 | ₹27,089 | +4.2% |
| Year 2 (18 Sept 2018) | ₹50,000 | ₹52,822 | +5.6% |
| Year 3 (18 Sept 2019) | ₹74,000 | ₹84,340 | +14% |
| Year 4 (18 Sept 2020) | ₹98,000 | ₹1,18,286 | +20.7% |
| Year 5 (20 Sept 2021) | ₹1,22,000 | ₹1,50,420 | +23.3% |
| Year 6 (19 Sept 2022) | ₹1,46,000 | ₹1,79,560 | +23% |
| Year 7 (18 Sept 2023) | ₹1,70,000 | ₹2,16,773 | +27.5% |
| Year 8 (19 Sept 2024) | ₹1,94,000 | ₹2,59,555 | +33.8% |
| Year 9 (18 Sept 2025) | ₹2,18,000 | ₹3,05,050 | +39.9% |
| Year 10 (18 Sept 2026) | ₹2,42,000 | ₹3,45,011 | +42.6% |
Best year of the journey: Year 3 (+9.8% 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 19 Sept 2016 and 18 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.