₹10,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹10,000/month SIP on 18 Sept 2023 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,59,001
16 Sept 2026
Absolute gain
₹-10,999
-3%
XIRR (annualised)
-1.96%
money-weighted
The journey, month by month
Worst fall on the way
-14.6%
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
₹4,11,754
Modelled at historical FD rates. The fund trailed FD by ₹52,753.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (16 Sept 2024) | ₹1,30,000 | ₹1,48,297 | +14.1% |
| Year 2 (16 Sept 2025) | ₹2,50,000 | ₹2,61,962 | +4.8% |
| Year 3 (16 Sept 2026) | ₹3,50,000 | ₹3,39,301 | -3.1% |
Best year of the journey: Year 1 (+14.1% market move) · Toughest year: Year 3 (-6.3%)
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 18 Sept 2023 and 16 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.