₹10,000 Monthly SIP in Sundaram Corporate Bond Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹10,000/month SIP on 20 Jul 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Corporate Bond Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 118 installments.
You invested
₹11,80,000
118 installments
Value today
₹14,29,445
27 Apr 2026
Absolute gain
+₹2,49,445
+21.1%
XIRR (annualised)
3.84%
money-weighted
The journey, month by month
Worst fall on the way
-8.9%
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
₹16,31,871
Modelled at historical FD rates. The fund trailed FD by ₹2,02,426.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (27 Apr 2017) | ₹1,00,000 | ₹1,00,652 | +0.7% |
| Year 2 (27 Apr 2018) | ₹2,20,000 | ₹2,19,564 | -0.2% |
| Year 3 (30 Apr 2019) | ₹3,40,000 | ₹3,51,612 | +3.4% |
| Year 4 (27 Apr 2020) | ₹4,60,000 | ₹5,02,079 | +9.1% |
| Year 5 (27 Apr 2021) | ₹5,80,000 | ₹6,49,971 | +12.1% |
| Year 6 (27 Apr 2022) | ₹7,00,000 | ₹7,12,867 | +1.8% |
| Year 7 (27 Apr 2023) | ₹8,20,000 | ₹8,57,037 | +4.5% |
| Year 8 (29 Apr 2024) | ₹9,40,000 | ₹10,18,924 | +8.4% |
| Year 9 (28 Apr 2025) | ₹10,60,000 | ₹11,93,312 | +12.6% |
| Year 10 (27 Apr 2026) | ₹11,80,000 | ₹14,29,445 | +21.1% |
Best year of the journey: Year 10 (+8.8% market move) · Toughest year: Year 6 (-7.4%)
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 Corporate Bond funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Corporate Bond Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 20 Jul 2016 and 27 Apr 2026; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.