₹1,000 Monthly SIP in Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹1,000/month SIP on 18 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹37,199
18 Aug 2026
Absolute gain
+₹199
+0.5%
XIRR (annualised)
0.35%
money-weighted
The journey, month by month
Worst fall on the way
-6.7%
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
₹41,202
Modelled at historical FD rates. The fund trailed FD by ₹4,003.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹13,000 | ₹12,972 | -0.2% |
| Year 2 (18 Aug 2025) | ₹25,000 | ₹25,402 | +1.6% |
| Year 3 (18 Aug 2026) | ₹37,000 | ₹37,199 | +0.5% |
Best year of the journey: Year 2 (+1.7% market move) · Toughest year: Year 3 (-0.5%)
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 Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 18 Aug 2023 and 18 Aug 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.