₹10,000 Monthly SIP in Aditya Birla Sun Life Savings Fund-Retail Growth for 20 Years
If you had started a ₹10,000/month SIP on 19 Jun 2006 and never stopped — through every crash and rally — here is exactly what happened, using Aditya Birla Sun Life Savings Fund-Retail Growth's actual NAV for all 241 installments.
You invested
₹24,10,000
241 installments
Value today
₹2,62,22,390
19 Jun 2026
Absolute gain
+₹2,38,12,390
+988.1%
XIRR (annualised)
20.39%
money-weighted
The journey, month by month
Worst fall on the way
-1.2%
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
₹57,11,175
Modelled at historical FD rates. The fund beat FD by ₹2,05,11,215.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Jun 2007) | ₹1,30,000 | ₹1,35,277 | +4.1% |
| Year 2 (19 Jun 2008) | ₹2,50,000 | ₹2,71,321 | +8.5% |
| Year 3 (19 Jun 2009) | ₹3,70,000 | ₹4,17,548 | +12.9% |
| Year 4 (21 Jun 2010) | ₹4,90,000 | ₹5,58,787 | +14% |
| Year 5 (20 Jun 2011) | ₹6,10,000 | ₹7,23,888 | +18.7% |
| Year 6 (19 Jun 2012) | ₹7,30,000 | ₹84,49,496 | +1057.5% |
| Year 7 (19 Jun 2013) | ₹8,50,000 | ₹93,42,332 | +999.1% |
| Year 8 (19 Jun 2014) | ₹9,70,000 | ₹1,03,66,520 | +968.7% |
| Year 9 (19 Jun 2015) | ₹10,90,000 | ₹1,14,53,733 | +950.8% |
| Year 10 (20 Jun 2016) | ₹12,10,000 | ₹1,25,98,264 | +941.2% |
| Year 11 (19 Jun 2017) | ₹13,30,000 | ₹1,38,10,345 | +938.4% |
| Year 12 (19 Jun 2018) | ₹14,50,000 | ₹1,48,48,795 | +924.1% |
| Year 13 (19 Jun 2019) | ₹15,70,000 | ₹1,62,52,181 | +935.2% |
| Year 14 (19 Jun 2020) | ₹16,90,000 | ₹1,76,98,560 | +947.3% |
| Year 15 (21 Jun 2021) | ₹18,10,000 | ₹1,87,15,130 | +934% |
| Year 16 (20 Jun 2022) | ₹19,30,000 | ₹1,95,36,436 | +912.3% |
| Year 17 (19 Jun 2023) | ₹20,50,000 | ₹2,09,39,912 | +921.5% |
| Year 18 (19 Jun 2024) | ₹21,70,000 | ₹2,26,15,443 | +942.2% |
| Year 19 (19 Jun 2025) | ₹22,90,000 | ₹2,45,75,456 | +973.2% |
| Year 20 (19 Jun 2026) | ₹24,10,000 | ₹2,62,22,390 | +988.1% |
Best year of the journey: Year 6 (+901.3% market move) · Toughest year: Year 16 (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 Ultra Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Aditya Birla Sun Life Savings Fund-Retail Growth's published NAV (source: AMFI) between 19 Jun 2006 and 19 Jun 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.