₹10,000 Monthly SIP in Sundaram Balanced Advantage Fund ( Formerly Known as Principal Balanced Advantage Fund) for 5 Years
If you had started a ₹10,000/month SIP on 16 Sept 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹13,15,846
16 Sept 2026
Absolute gain
+₹7,05,846
+115.7%
XIRR (annualised)
31.25%
money-weighted
The journey, month by month
Worst fall on the way
-54.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,728
Modelled at historical FD rates. The fund beat FD by ₹5,99,118.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2022) | ₹1,30,000 | ₹1,17,880 | -9.3% |
| Year 2 (18 Sept 2023) | ₹2,50,000 | ₹2,44,845 | -2.1% |
| Year 3 (16 Sept 2024) | ₹3,70,000 | ₹4,18,382 | +13.1% |
| Year 4 (16 Sept 2025) | ₹4,90,000 | ₹5,13,462 | +4.8% |
| Year 5 (16 Sept 2026) | ₹6,10,000 | ₹13,15,846 | +115.7% |
Best year of the journey: Year 5 (+107.7% market move) · Toughest year: Year 1 (-9.3%)
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 16 Sept 2021 and 16 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.