₹5,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹8,62,631
11 Sept 2026
Absolute gain
+₹2,57,631
+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
₹8,40,793
Modelled at historical FD rates. The fund beat FD by ₹21,838.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹65,000 | ₹67,760 | +4.2% |
| Year 2 (11 Sept 2018) | ₹1,25,000 | ₹1,31,877 | +5.5% |
| Year 3 (11 Sept 2019) | ₹1,85,000 | ₹2,10,660 | +13.9% |
| Year 4 (11 Sept 2020) | ₹2,45,000 | ₹2,95,556 | +20.6% |
| Year 5 (13 Sept 2021) | ₹3,05,000 | ₹3,75,607 | +23.1% |
| Year 6 (12 Sept 2022) | ₹3,65,000 | ₹4,49,244 | +23.1% |
| Year 7 (11 Sept 2023) | ₹4,25,000 | ₹5,40,989 | +27.3% |
| Year 8 (11 Sept 2024) | ₹4,85,000 | ₹6,46,897 | +33.4% |
| Year 9 (11 Sept 2025) | ₹5,45,000 | ₹7,62,041 | +39.8% |
| Year 10 (11 Sept 2026) | ₹6,05,000 | ₹8,62,631 | +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.