₹10,000 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 10 Years
If you had started a ₹10,000/month SIP on 21 Sept 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹12,37,222
21 Sept 2026
Absolute gain
+₹27,222
+2.2%
XIRR (annualised)
0.44%
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
₹16,84,437
Modelled at historical FD rates. The fund trailed FD by ₹4,47,215.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2017) | ₹1,30,000 | ₹1,31,256 | +1% |
| Year 2 (21 Sept 2018) | ₹2,50,000 | ₹2,48,602 | -0.6% |
| Year 3 (23 Sept 2019) | ₹3,70,000 | ₹3,81,082 | +3% |
| Year 4 (21 Sept 2020) | ₹4,90,000 | ₹5,09,965 | +4.1% |
| Year 5 (21 Sept 2021) | ₹6,10,000 | ₹6,29,910 | +3.3% |
| Year 6 (21 Sept 2022) | ₹7,30,000 | ₹7,49,565 | +2.7% |
| Year 7 (21 Sept 2023) | ₹8,50,000 | ₹8,70,299 | +2.4% |
| Year 8 (23 Sept 2024) | ₹9,70,000 | ₹9,91,193 | +2.2% |
| Year 9 (22 Sept 2025) | ₹10,90,000 | ₹11,38,355 | +4.4% |
| Year 10 (21 Sept 2026) | ₹12,10,000 | ₹12,37,222 | +2.2% |
Best year of the journey: Year 3 (+3.4% market move) · Toughest year: Year 10 (-1.7%)
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 21 Sept 2016 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.