₹5,000 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 ₹5,000/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
₹6,05,000
121 installments
Value today
₹6,27,492
28 Jun 2024
Absolute gain
+₹22,492
+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
₹8,69,636
Modelled at historical FD rates. The fund trailed FD by ₹2,42,144.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Jun 2015) | ₹65,000 | ₹65,164 | +0.3% |
| Year 2 (28 Jun 2016) | ₹1,25,000 | ₹1,25,984 | +0.8% |
| Year 3 (28 Jun 2017) | ₹1,85,000 | ₹1,88,641 | +2% |
| Year 4 (28 Jun 2018) | ₹2,45,000 | ₹2,47,310 | +0.9% |
| Year 5 (28 Jun 2019) | ₹3,05,000 | ₹3,13,441 | +2.8% |
| Year 6 (29 Jun 2020) | ₹3,65,000 | ₹3,85,629 | +5.7% |
| Year 7 (28 Jun 2021) | ₹4,25,000 | ₹4,46,790 | +5.1% |
| Year 8 (28 Jun 2022) | ₹4,85,000 | ₹5,02,697 | +3.6% |
| Year 9 (28 Jun 2023) | ₹5,45,000 | ₹5,66,651 | +4% |
| Year 10 (28 Jun 2024) | ₹6,05,000 | ₹6,27,492 | +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.