How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹71,631. The fund trailed FD by ₹10,245.

How risky was this journey?

The portfolio fell up to 6.7% from its peak at the worst point, and survived 0 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹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 5 Years

Q: What would a ₹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) be worth after 5 years?

Based on real NAV history from 7 Oct 2021 to 7 Oct 2026, a ₹1,000/month SIP (61 installments, ₹61,000 invested) would be worth ₹61,386 — an XIRR of 0.25%.

If you had started a ₹1,000/month SIP on 7 Oct 2021 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 61 installments.

You invested

₹61,000

61 installments

Value today

₹61,386

7 Oct 2026

Absolute gain

+₹386

+0.6%

XIRR (annualised)

0.25%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-6.7%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹71,631

Modelled at historical FD rates. The fund trailed FD by ₹10,245.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (7 Oct 2022)	₹13,000	₹13,002	+0%
Year 2 (9 Oct 2023)	₹25,000	₹25,003	+0%
Year 3 (7 Oct 2024)	₹37,000	₹37,060	+0.2%
Year 4 (7 Oct 2025)	₹49,000	₹46,971	-4.1%
Year 5 (7 Oct 2026)	₹61,000	₹61,386	+0.6%

Best year of the journey: Year 5 (+4.1% market move) · Toughest year: Year 4 (-4.3%)

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 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 7 Oct 2021 and 7 Oct 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.