₹5,000 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 ₹5,000/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
₹9,05,000
181 installments
Value today
₹9,46,573
18 Aug 2026
Absolute gain
+₹41,573
+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
₹16,84,102
Modelled at historical FD rates. The fund trailed FD by ₹7,37,529.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹65,000 | ₹65,360 | +0.6% |
| Year 2 (19 Aug 2013) | ₹1,25,000 | ₹1,24,755 | -0.2% |
| Year 3 (19 Aug 2014) | ₹1,85,000 | ₹1,87,753 | +1.5% |
| Year 4 (19 Aug 2015) | ₹2,45,000 | ₹2,50,680 | +2.3% |
| Year 5 (18 Aug 2016) | ₹3,05,000 | ₹3,12,974 | +2.6% |
| Year 6 (18 Aug 2017) | ₹3,65,000 | ₹3,78,517 | +3.7% |
| Year 7 (20 Aug 2018) | ₹4,25,000 | ₹4,34,969 | +2.3% |
| Year 8 (19 Aug 2019) | ₹4,85,000 | ₹5,09,711 | +5.1% |
| Year 9 (18 Aug 2020) | ₹5,45,000 | ₹5,83,975 | +7.2% |
| Year 10 (18 Aug 2021) | ₹6,05,000 | ₹6,43,846 | +6.4% |
| Year 11 (18 Aug 2022) | ₹6,65,000 | ₹7,03,818 | +5.8% |
| Year 12 (18 Aug 2023) | ₹7,25,000 | ₹7,64,069 | +5.4% |
| Year 13 (19 Aug 2024) | ₹7,85,000 | ₹8,24,107 | +5% |
| Year 14 (18 Aug 2025) | ₹8,45,000 | ₹9,01,815 | +6.7% |
| Year 15 (18 Aug 2026) | ₹9,05,000 | ₹9,46,573 | +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.
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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 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.