₹10,000 Monthly SIP in Sundaram Balanced Advantage Fund ( Formerly Known as Principal Balanced Advantage Fund) for 10 Years
If you had started a ₹10,000/month SIP on 23 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Balanced Advantage Fund ( Formerly Known as Principal Balanced Advantage Fund)'s actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹24,99,831
23 Sept 2026
Absolute gain
+₹12,89,831
+106.6%
XIRR (annualised)
13.83%
money-weighted
The journey, month by month
Worst fall on the way
-56.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,85,046
Modelled at historical FD rates. The fund beat FD by ₹8,14,785.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹1,30,000 | ₹1,37,154 | +5.5% |
| Year 2 (24 Sept 2018) | ₹2,50,000 | ₹2,70,201 | +8.1% |
| Year 3 (23 Sept 2019) | ₹3,70,000 | ₹3,97,232 | +7.4% |
| Year 4 (23 Sept 2020) | ₹4,90,000 | ₹5,48,281 | +11.9% |
| Year 5 (23 Sept 2021) | ₹6,10,000 | ₹7,82,753 | +28.3% |
| Year 6 (23 Sept 2022) | ₹7,30,000 | ₹5,79,730 | -20.6% |
| Year 7 (25 Sept 2023) | ₹8,50,000 | ₹7,18,448 | -15.5% |
| Year 8 (23 Sept 2024) | ₹9,70,000 | ₹9,92,735 | +2.3% |
| Year 9 (23 Sept 2025) | ₹10,90,000 | ₹10,36,405 | -4.9% |
| Year 10 (23 Sept 2026) | ₹12,10,000 | ₹24,99,831 | +106.6% |
Best year of the journey: Year 10 (+116.2% market move) · Toughest year: Year 6 (-35.8%)
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 Dynamic Asset Allocation / BAF funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Balanced Advantage Fund ( Formerly Known as Principal Balanced Advantage Fund)'s published NAV (source: AMFI) between 23 Sept 2016 and 23 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.