₹2,000 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
If you had started a ₹2,000/month SIP on 13 Sept 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
₹1,22,000
61 installments
Value today
₹1,22,711
11 Sept 2026
Absolute gain
+₹711
+0.6%
XIRR (annualised)
0.23%
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
₹1,43,219
Modelled at historical FD rates. The fund trailed FD by ₹20,508.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹26,000 | ₹26,080 | +0.3% |
| Year 2 (11 Sept 2023) | ₹50,000 | ₹50,221 | +0.4% |
| Year 3 (11 Sept 2024) | ₹74,000 | ₹74,356 | +0.5% |
| Year 4 (11 Sept 2025) | ₹98,000 | ₹1,00,126 | +2.2% |
| Year 5 (11 Sept 2026) | ₹1,22,000 | ₹1,22,711 | +0.6% |
Best year of the journey: Year 4 (+1.8% market move) · Toughest year: Year 5 (-1.1%)
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 13 Sept 2021 and 11 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.