₹2,000 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 ₹2,000/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
₹2,42,000
121 installments
Value today
₹2,50,997
28 Jun 2024
Absolute gain
+₹8,997
+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
₹3,47,854
Modelled at historical FD rates. The fund trailed FD by ₹96,857.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Jun 2015) | ₹26,000 | ₹26,066 | +0.3% |
| Year 2 (28 Jun 2016) | ₹50,000 | ₹50,394 | +0.8% |
| Year 3 (28 Jun 2017) | ₹74,000 | ₹75,457 | +2% |
| Year 4 (28 Jun 2018) | ₹98,000 | ₹98,924 | +0.9% |
| Year 5 (28 Jun 2019) | ₹1,22,000 | ₹1,25,377 | +2.8% |
| Year 6 (29 Jun 2020) | ₹1,46,000 | ₹1,54,252 | +5.7% |
| Year 7 (28 Jun 2021) | ₹1,70,000 | ₹1,78,716 | +5.1% |
| Year 8 (28 Jun 2022) | ₹1,94,000 | ₹2,01,079 | +3.6% |
| Year 9 (28 Jun 2023) | ₹2,18,000 | ₹2,26,660 | +4% |
| Year 10 (28 Jun 2024) | ₹2,42,000 | ₹2,50,997 | +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.