₹25,000 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 ₹25,000/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
₹30,25,000
121 installments
Value today
₹31,37,458
28 Jun 2024
Absolute gain
+₹1,12,458
+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
₹43,48,180
Modelled at historical FD rates. The fund trailed FD by ₹12,10,722.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Jun 2015) | ₹3,25,000 | ₹3,25,820 | +0.3% |
| Year 2 (28 Jun 2016) | ₹6,25,000 | ₹6,29,920 | +0.8% |
| Year 3 (28 Jun 2017) | ₹9,25,000 | ₹9,43,207 | +2% |
| Year 4 (28 Jun 2018) | ₹12,25,000 | ₹12,36,552 | +0.9% |
| Year 5 (28 Jun 2019) | ₹15,25,000 | ₹15,67,207 | +2.8% |
| Year 6 (29 Jun 2020) | ₹18,25,000 | ₹19,28,147 | +5.7% |
| Year 7 (28 Jun 2021) | ₹21,25,000 | ₹22,33,951 | +5.1% |
| Year 8 (28 Jun 2022) | ₹24,25,000 | ₹25,13,484 | +3.6% |
| Year 9 (28 Jun 2023) | ₹27,25,000 | ₹28,33,255 | +4% |
| Year 10 (28 Jun 2024) | ₹30,25,000 | ₹31,37,458 | +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.
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) 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.