₹25,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 5 Years
If you had started a ₹25,000/month SIP on 27 Sept 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹18,02,013
25 Sept 2026
Absolute gain
+₹2,77,013
+18.2%
XIRR (annualised)
6.55%
money-weighted
The journey, month by month
Worst fall on the way
-0.8%
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
₹17,94,564
Modelled at historical FD rates. The fund beat FD by ₹7,449.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (26 Sept 2022) | ₹3,25,000 | ₹3,30,715 | +1.8% |
| Year 2 (25 Sept 2023) | ₹6,25,000 | ₹6,65,921 | +6.5% |
| Year 3 (25 Sept 2024) | ₹9,25,000 | ₹10,34,811 | +11.9% |
| Year 4 (25 Sept 2025) | ₹12,25,000 | ₹14,27,597 | +16.5% |
| Year 5 (25 Sept 2026) | ₹15,25,000 | ₹18,02,013 | +18.2% |
Best year of the journey: Year 3 (+7.1% market move) · Toughest year: Year 1 (1.8%)
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 27 Sept 2021 and 25 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.