₹1,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 19 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,72,061
18 Sept 2026
Absolute gain
+₹51,061
+42.2%
XIRR (annualised)
6.84%
money-weighted
The journey, month by month
Worst fall on the way
-43.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
10
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,346
Modelled at historical FD rates. The fund beat FD by ₹3,715.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹13,000 | ₹14,378 | +10.6% |
| Year 2 (18 Sept 2018) | ₹25,000 | ₹23,384 | -6.5% |
| Year 3 (18 Sept 2019) | ₹37,000 | ₹35,239 | -4.8% |
| Year 4 (18 Sept 2020) | ₹49,000 | ₹41,956 | -14.4% |
| Year 5 (20 Sept 2021) | ₹61,000 | ₹78,566 | +28.8% |
| Year 6 (19 Sept 2022) | ₹73,000 | ₹98,138 | +34.4% |
| Year 7 (18 Sept 2023) | ₹85,000 | ₹1,28,868 | +51.6% |
| Year 8 (18 Sept 2024) | ₹97,000 | ₹1,71,410 | +76.7% |
| Year 9 (18 Sept 2025) | ₹1,09,000 | ₹1,72,178 | +58% |
| Year 10 (18 Sept 2026) | ₹1,19,000 | ₹1,70,081 | +42.9% |
Best year of the journey: Year 5 (+45.6% market move) · Toughest year: Year 2 (-11.4%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 19 Sept 2016 and 18 Sept 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.