₹25,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Direct Plan for 10 Years
If you had started a ₹25,000/month SIP on 30 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Financial Services Opportunities Fund Direct Plan's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹64,25,786
30 Sept 2026
Absolute gain
+₹34,00,786
+112.4%
XIRR (annualised)
14.3%
money-weighted
The journey, month by month
Worst fall on the way
-41.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,17,608
Modelled at historical FD rates. The fund beat FD by ₹22,08,178.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,50,000 | ₹3,86,376 | +10.4% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹6,48,275 | -0.3% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹10,96,390 | +18.5% |
| Year 4 (30 Sept 2020) | ₹12,25,000 | ₹11,85,015 | -3.3% |
| Year 5 (30 Sept 2021) | ₹15,25,000 | ₹23,90,989 | +56.8% |
| Year 6 (30 Sept 2022) | ₹18,25,000 | ₹27,37,347 | +50% |
| Year 7 (3 Oct 2023) | ₹21,50,000 | ₹39,71,225 | +84.7% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹55,64,332 | +129.5% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹58,48,755 | +114.6% |
| Year 10 (30 Sept 2026) | ₹30,25,000 | ₹64,25,786 | +112.4% |
Best year of the journey: Year 5 (+61% market move) · Toughest year: Year 4 (-15.1%)
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's published NAV (source: AMFI) between 30 Sept 2016 and 30 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.