₹10,000 Monthly SIP in Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan for 10 Years
If you had started a ₹10,000/month SIP on 26 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's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,77,462
24 Sept 2026
Absolute gain
+₹4,67,462
+38.6%
XIRR (annualised)
6.33%
money-weighted
The journey, month by month
Worst fall on the way
-1.8%
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
₹16,85,285
Modelled at historical FD rates. The fund trailed FD by ₹7,823.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹1,30,000 | ₹1,35,698 | +4.4% |
| Year 2 (24 Sept 2018) | ₹2,50,000 | ₹2,61,644 | +4.7% |
| Year 3 (24 Sept 2019) | ₹3,70,000 | ₹4,18,082 | +13% |
| Year 4 (24 Sept 2020) | ₹4,90,000 | ₹5,80,506 | +18.5% |
| Year 5 (24 Sept 2021) | ₹6,10,000 | ₹7,25,286 | +18.9% |
| Year 6 (26 Sept 2022) | ₹7,30,000 | ₹8,60,428 | +17.9% |
| Year 7 (25 Sept 2023) | ₹8,50,000 | ₹10,45,170 | +23% |
| Year 8 (24 Sept 2024) | ₹9,70,000 | ₹12,56,434 | +29.5% |
| Year 9 (24 Sept 2025) | ₹10,90,000 | ₹14,80,931 | +35.9% |
| Year 10 (24 Sept 2026) | ₹12,10,000 | ₹16,77,462 | +38.6% |
Best year of the journey: Year 3 (+9.5% market move) · Toughest year: Year 6 (1.8%)
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's published NAV (source: AMFI) between 26 Sept 2016 and 24 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.