₹2,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹2,000/month SIP on 6 Oct 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
₹1,22,000
61 installments
Value today
₹1,29,616
6 Oct 2026
Absolute gain
+₹7,616
+6.2%
XIRR (annualised)
2.42%
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
₹1,43,208
Modelled at historical FD rates. The fund trailed FD by ₹13,592.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2022) | ₹26,000 | ₹27,478 | +5.7% |
| Year 2 (6 Oct 2023) | ₹50,000 | ₹60,288 | +20.6% |
| Year 3 (7 Oct 2024) | ₹74,000 | ₹89,373 | +20.8% |
| Year 4 (6 Oct 2025) | ₹98,000 | ₹1,21,372 | +23.8% |
| Year 5 (6 Oct 2026) | ₹1,18,000 | ₹1,25,803 | +6.6% |
Best year of the journey: Year 2 (+17.1% market move) · Toughest year: Year 5 (-11%)
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 6 Oct 2021 and 6 Oct 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.