₹5,000 Monthly SIP in Sundaram Balanced Advantage Fund ( Formerly Known as Principal Balanced Advantage Fund) for 5 Years
If you had started a ₹5,000/month SIP on 21 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
₹3,05,000
61 installments
Value today
₹6,65,040
21 Sept 2026
Absolute gain
+₹3,60,040
+118%
XIRR (annualised)
31.55%
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
₹3,58,673
Modelled at historical FD rates. The fund beat FD by ₹3,06,367.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2022) | ₹65,000 | ₹58,502 | -10% |
| Year 2 (21 Sept 2023) | ₹1,25,000 | ₹1,21,012 | -3.2% |
| Year 3 (23 Sept 2024) | ₹1,85,000 | ₹2,10,959 | +14% |
| Year 4 (22 Sept 2025) | ₹2,45,000 | ₹2,54,737 | +4% |
| Year 5 (21 Sept 2026) | ₹3,05,000 | ₹6,65,040 | +118% |
Best year of the journey: Year 5 (+111.3% market move) · Toughest year: Year 1 (-10%)
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 21 Sept 2021 and 21 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.