₹25,000 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 15 Years
If you had started a ₹25,000/month SIP on 18 Aug 2011 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 181 installments.
You invested
₹45,25,000
181 installments
Value today
₹47,32,867
18 Aug 2026
Absolute gain
+₹2,07,867
+4.6%
XIRR (annualised)
0.59%
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
₹84,20,509
Modelled at historical FD rates. The fund trailed FD by ₹36,87,642.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹3,25,000 | ₹3,26,802 | +0.6% |
| Year 2 (19 Aug 2013) | ₹6,25,000 | ₹6,23,773 | -0.2% |
| Year 3 (19 Aug 2014) | ₹9,25,000 | ₹9,38,765 | +1.5% |
| Year 4 (19 Aug 2015) | ₹12,25,000 | ₹12,53,402 | +2.3% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹15,64,868 | +2.6% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹18,92,583 | +3.7% |
| Year 7 (20 Aug 2018) | ₹21,25,000 | ₹21,74,843 | +2.3% |
| Year 8 (19 Aug 2019) | ₹24,25,000 | ₹25,48,557 | +5.1% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹29,19,874 | +7.2% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹32,19,230 | +6.4% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹35,19,092 | +5.8% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹38,20,344 | +5.4% |
| Year 13 (19 Aug 2024) | ₹39,25,000 | ₹41,20,535 | +5% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹45,09,075 | +6.7% |
| Year 15 (18 Aug 2026) | ₹45,25,000 | ₹47,32,867 | +4.6% |
Best year of the journey: Year 8 (+3% market move) · Toughest year: Year 15 (-1.6%)
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) Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 18 Aug 2011 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.