₹25,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹25,000/month SIP on 21 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
₹30,25,000
121 installments
Value today
₹43,00,753
21 Sept 2026
Absolute gain
+₹12,75,753
+42.2%
XIRR (annualised)
6.82%
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
₹42,10,805
Modelled at historical FD rates. The fund beat FD by ₹89,948.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2017) | ₹3,25,000 | ₹3,56,331 | +9.6% |
| Year 2 (21 Sept 2018) | ₹6,25,000 | ₹5,64,743 | -9.6% |
| Year 3 (23 Sept 2019) | ₹9,25,000 | ₹9,85,266 | +6.5% |
| Year 4 (21 Sept 2020) | ₹12,25,000 | ₹10,22,879 | -16.5% |
| Year 5 (21 Sept 2021) | ₹15,25,000 | ₹19,72,186 | +29.3% |
| Year 6 (21 Sept 2022) | ₹18,25,000 | ₹24,72,332 | +35.5% |
| Year 7 (21 Sept 2023) | ₹21,25,000 | ₹31,50,194 | +48.2% |
| Year 8 (23 Sept 2024) | ₹24,25,000 | ₹43,44,181 | +79.1% |
| Year 9 (22 Sept 2025) | ₹27,25,000 | ₹42,86,839 | +57.3% |
| Year 10 (21 Sept 2026) | ₹29,75,000 | ₹42,51,257 | +42.9% |
Best year of the journey: Year 5 (+49.1% market move) · Toughest year: Year 4 (-20.4%)
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 21 Sept 2016 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.