₹25,000 Monthly SIP in Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Direct Plan for 5 Years
If you had started a ₹25,000/month SIP on 5 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's actual NAV for all 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹17,95,720
5 Oct 2026
Absolute gain
+₹2,70,720
+17.8%
XIRR (annualised)
6.55%
money-weighted
The journey, month by month
Worst fall on the way
-1.1%
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
₹17,90,151
Modelled at historical FD rates. The fund beat FD by ₹5,569.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹3,25,000 | ₹3,28,797 | +1.2% |
| Year 2 (5 Oct 2023) | ₹6,25,000 | ₹6,60,921 | +5.7% |
| Year 3 (7 Oct 2024) | ₹9,25,000 | ₹10,26,523 | +11% |
| Year 4 (6 Oct 2025) | ₹12,25,000 | ₹14,23,368 | +16.2% |
| Year 5 (5 Oct 2026) | ₹15,25,000 | ₹17,95,720 | +17.8% |
Best year of the journey: Year 4 (+7.3% market move) · Toughest year: Year 1 (1.2%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 5 Oct 2021 and 5 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.