₹5,000 Monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund for 3 Years
If you had started a ₹5,000/month SIP on 3 Oct 2023 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,02,556
1 Oct 2026
Absolute gain
+₹17,556
+9.5%
XIRR (annualised)
6.14%
money-weighted
The journey, month by month
Worst fall on the way
-0.6%
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
₹2,05,382
Modelled at historical FD rates. The fund trailed FD by ₹2,826.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2024) | ₹65,000 | ₹67,912 | +4.5% |
| Year 2 (1 Oct 2025) | ₹1,25,000 | ₹1,35,247 | +8.2% |
| Year 3 (1 Oct 2026) | ₹1,85,000 | ₹2,02,556 | +9.5% |
Best year of the journey: Year 2 (+5.7% market move) · Toughest year: Year 3 (3.7%)
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 3 Oct 2023 and 1 Oct 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.