₹5,000 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 ₹5,000/month SIP on 5 Oct 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
₹6,05,000
121 installments
Value today
₹8,35,299
5 Oct 2026
Absolute gain
+₹2,30,299
+38.1%
XIRR (annualised)
6.32%
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
₹8,39,381
Modelled at historical FD rates. The fund trailed FD by ₹4,082.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹65,000 | ₹67,597 | +4% |
| Year 2 (5 Oct 2018) | ₹1,25,000 | ₹1,30,952 | +4.8% |
| Year 3 (7 Oct 2019) | ₹1,85,000 | ₹2,08,857 | +12.9% |
| Year 4 (5 Oct 2020) | ₹2,45,000 | ₹2,88,942 | +17.9% |
| Year 5 (5 Oct 2021) | ₹3,05,000 | ₹3,60,230 | +18.1% |
| Year 6 (6 Oct 2022) | ₹3,65,000 | ₹4,29,276 | +17.6% |
| Year 7 (5 Oct 2023) | ₹4,25,000 | ₹5,20,768 | +22.5% |
| Year 8 (7 Oct 2024) | ₹4,85,000 | ₹6,25,401 | +28.9% |
| Year 9 (6 Oct 2025) | ₹5,45,000 | ₹7,39,863 | +35.8% |
| Year 10 (5 Oct 2026) | ₹6,05,000 | ₹8,35,299 | +38.1% |
Best year of the journey: Year 3 (+9.4% market move) · Toughest year: Year 6 (2.2%)
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 5 Oct 2016 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.