₹1,000 Monthly SIP in Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 18 Aug 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) Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,23,632
18 Aug 2026
Absolute gain
+₹2,632
+2.2%
XIRR (annualised)
0.43%
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
₹1,68,442
Modelled at historical FD rates. The fund trailed FD by ₹44,810.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹13,000 | ₹13,181 | +1.4% |
| Year 2 (20 Aug 2018) | ₹25,000 | ₹25,042 | +0.2% |
| Year 3 (19 Aug 2019) | ₹37,000 | ₹38,105 | +3% |
| Year 4 (18 Aug 2020) | ₹49,000 | ₹51,286 | +4.7% |
| Year 5 (18 Aug 2021) | ₹61,000 | ₹63,274 | +3.7% |
| Year 6 (18 Aug 2022) | ₹73,000 | ₹75,275 | +3.1% |
| Year 7 (18 Aug 2023) | ₹85,000 | ₹87,292 | +2.7% |
| Year 8 (19 Aug 2024) | ₹97,000 | ₹99,284 | +2.4% |
| Year 9 (18 Aug 2025) | ₹1,09,000 | ₹1,13,474 | +4.1% |
| Year 10 (18 Aug 2026) | ₹1,21,000 | ₹1,23,632 | +2.2% |
Best year of the journey: Year 3 (+2.9% market move) · Toughest year: Year 10 (-1.5%)
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) Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 18 Aug 2016 and 18 Aug 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.