₹1,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹1,000/month SIP on 21 Sept 2021 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 61 installments.
You invested
₹61,000
61 installments
Value today
₹67,604
21 Sept 2026
Absolute gain
+₹6,604
+10.8%
XIRR (annualised)
4.05%
money-weighted
The journey, month by month
Worst fall on the way
-16.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹71,719
Modelled at historical FD rates. The fund trailed FD by ₹4,115.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2022) | ₹13,000 | ₹14,354 | +10.4% |
| Year 2 (21 Sept 2023) | ₹25,000 | ₹29,971 | +19.9% |
| Year 3 (23 Sept 2024) | ₹37,000 | ₹51,959 | +40.4% |
| Year 4 (22 Sept 2025) | ₹49,000 | ₹59,970 | +22.4% |
| Year 5 (21 Sept 2026) | ₹59,000 | ₹65,624 | +11.2% |
Best year of the journey: Year 3 (+23.8% market move) · Toughest year: Year 5 (-6.2%)
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 21 Sept 2021 and 21 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.