₹1,000 Monthly SIP in Sundaram Banking & PSU Fund (Formerly Known as Sundaram Banking and PSU Debt Fund) Retail Plan - Monthly Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 30 Jun 2014 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) Retail Plan - Monthly Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,25,498
28 Jun 2024
Absolute gain
+₹4,498
+3.7%
XIRR (annualised)
0.72%
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
₹1,73,927
Modelled at historical FD rates. The fund trailed FD by ₹48,429.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Jun 2015) | ₹13,000 | ₹13,033 | +0.3% |
| Year 2 (28 Jun 2016) | ₹25,000 | ₹25,197 | +0.8% |
| Year 3 (28 Jun 2017) | ₹37,000 | ₹37,728 | +2% |
| Year 4 (28 Jun 2018) | ₹49,000 | ₹49,462 | +0.9% |
| Year 5 (28 Jun 2019) | ₹61,000 | ₹62,688 | +2.8% |
| Year 6 (29 Jun 2020) | ₹73,000 | ₹77,126 | +5.7% |
| Year 7 (28 Jun 2021) | ₹85,000 | ₹89,358 | +5.1% |
| Year 8 (28 Jun 2022) | ₹97,000 | ₹1,00,539 | +3.6% |
| Year 9 (28 Jun 2023) | ₹1,09,000 | ₹1,13,330 | +4% |
| Year 10 (28 Jun 2024) | ₹1,21,000 | ₹1,25,498 | +3.7% |
Best year of the journey: Year 6 (+3.3% market move) · Toughest year: Year 8 (-0.8%)
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) Retail Plan - Monthly Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 30 Jun 2014 and 28 Jun 2024; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.