₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹43,12,642
18 Sept 2026
Absolute gain
+₹12,87,642
+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
₹42,08,948
Modelled at historical FD rates. The fund beat FD by ₹1,03,694.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹3,25,000 | ₹3,38,615 | +4.2% |
| Year 2 (18 Sept 2018) | ₹6,25,000 | ₹6,60,275 | +5.6% |
| Year 3 (18 Sept 2019) | ₹9,25,000 | ₹10,54,256 | +14% |
| Year 4 (18 Sept 2020) | ₹12,25,000 | ₹14,78,577 | +20.7% |
| Year 5 (20 Sept 2021) | ₹15,25,000 | ₹18,80,256 | +23.3% |
| Year 6 (19 Sept 2022) | ₹18,25,000 | ₹22,44,502 | +23% |
| Year 7 (18 Sept 2023) | ₹21,25,000 | ₹27,09,664 | +27.5% |
| Year 8 (19 Sept 2024) | ₹24,25,000 | ₹32,44,442 | +33.8% |
| Year 9 (18 Sept 2025) | ₹27,25,000 | ₹38,13,119 | +39.9% |
| Year 10 (18 Sept 2026) | ₹30,25,000 | ₹43,12,642 | +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.