₹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 5 Years
If you had started a ₹5,000/month SIP on 28 Jun 2019 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 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,06,900
28 Jun 2024
Absolute gain
+₹1,900
+0.6%
XIRR (annualised)
0.24%
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
₹3,54,396
Modelled at historical FD rates. The fund trailed FD by ₹47,496.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Jun 2020) | ₹65,000 | ₹66,313 | +2% |
| Year 2 (28 Jun 2021) | ₹1,25,000 | ₹1,26,583 | +1.3% |
| Year 3 (28 Jun 2022) | ₹1,85,000 | ₹1,85,129 | +0.1% |
| Year 4 (28 Jun 2023) | ₹2,45,000 | ₹2,46,547 | +0.6% |
| Year 5 (28 Jun 2024) | ₹3,05,000 | ₹3,06,900 | +0.6% |
Best year of the journey: Year 1 (+2% market move) · Toughest year: Year 3 (-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 28 Jun 2019 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.