₹25,000 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 ₹25,000/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
₹15,25,000
61 installments
Value today
₹15,34,647
7 Oct 2026
Absolute gain
+₹9,647
+0.6%
XIRR (annualised)
0.25%
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
₹17,90,770
Modelled at historical FD rates. The fund trailed FD by ₹2,56,123.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹3,25,000 | ₹3,25,047 | +0% |
| Year 2 (9 Oct 2023) | ₹6,25,000 | ₹6,25,075 | +0% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹9,26,507 | +0.2% |
| Year 4 (7 Oct 2025) | ₹12,25,000 | ₹11,74,271 | -4.1% |
| Year 5 (7 Oct 2026) | ₹15,25,000 | ₹15,34,647 | +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.