₹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 20 Years
If you had started a ₹5,000/month SIP on 18 Aug 2006 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 241 installments.
You invested
₹12,05,000
241 installments
Value today
₹∞
18 Aug 2026
Absolute gain
+₹∞
+Infinity%
XIRR (annualised)
0%
money-weighted
The journey, month by month
Worst fall on the way
-100%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹28,57,694
Modelled at historical FD rates. The fund beat FD by ₹∞.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹65,000 | ₹65,311 | +0.5% |
| Year 2 (18 Aug 2008) | ₹1,25,000 | ₹1,25,616 | +0.5% |
| Year 3 (18 Aug 2009) | ₹1,85,000 | ₹∞ | +Infinity% |
| Year 4 (18 Aug 2010) | ₹2,45,000 | ₹∞ | +Infinity% |
| Year 5 (18 Aug 2011) | ₹3,05,000 | ₹∞ | +Infinity% |
| Year 6 (21 Aug 2012) | ₹3,65,000 | ₹∞ | +Infinity% |
| Year 7 (19 Aug 2013) | ₹4,25,000 | ₹∞ | +Infinity% |
| Year 8 (19 Aug 2014) | ₹4,85,000 | ₹∞ | +Infinity% |
| Year 9 (19 Aug 2015) | ₹5,45,000 | ₹∞ | +Infinity% |
| Year 10 (18 Aug 2016) | ₹6,05,000 | ₹∞ | +Infinity% |
| Year 11 (18 Aug 2017) | ₹6,65,000 | ₹∞ | +Infinity% |
| Year 12 (20 Aug 2018) | ₹7,25,000 | ₹∞ | +Infinity% |
| Year 13 (19 Aug 2019) | ₹7,85,000 | ₹∞ | +Infinity% |
| Year 14 (18 Aug 2020) | ₹8,45,000 | ₹∞ | +Infinity% |
| Year 15 (18 Aug 2021) | ₹9,05,000 | ₹∞ | +Infinity% |
| Year 16 (18 Aug 2022) | ₹9,65,000 | ₹∞ | +Infinity% |
| Year 17 (18 Aug 2023) | ₹10,25,000 | ₹∞ | +Infinity% |
| Year 18 (19 Aug 2024) | ₹10,85,000 | ₹∞ | +Infinity% |
| Year 19 (18 Aug 2025) | ₹11,45,000 | ₹∞ | +Infinity% |
| Year 20 (18 Aug 2026) | ₹12,05,000 | ₹∞ | +Infinity% |
Best year of the journey: Year 3 (+Infinity% market move) · Toughest year: Year 2 (0.2%)
Wealth Time Machine
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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 2006 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.