₹1,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Institutional Plan for 10 Years
If you had started a ₹1,000/month SIP on 22 Jan 2015 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Financial Services Opportunities Fund Institutional Plan's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,75,895
22 Jan 2025
Absolute gain
+₹1,54,895
+128%
XIRR (annualised)
15.66%
money-weighted
The journey, month by month
Worst fall on the way
-42.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
9
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,71,343
Modelled at historical FD rates. The fund beat FD by ₹1,04,552.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Jan 2016) | ₹13,000 | ₹11,003 | -15.4% |
| Year 2 (23 Jan 2017) | ₹25,000 | ₹27,408 | +9.6% |
| Year 3 (22 Jan 2018) | ₹37,000 | ₹50,883 | +37.5% |
| Year 4 (22 Jan 2019) | ₹49,000 | ₹59,266 | +21% |
| Year 5 (22 Jan 2020) | ₹61,000 | ₹87,342 | +43.2% |
| Year 6 (22 Jan 2021) | ₹73,000 | ₹1,09,064 | +49.4% |
| Year 7 (24 Jan 2022) | ₹85,000 | ₹1,42,198 | +67.3% |
| Year 8 (23 Jan 2023) | ₹97,000 | ₹1,78,002 | +83.5% |
| Year 9 (23 Jan 2024) | ₹1,09,000 | ₹2,44,259 | +124.1% |
| Year 10 (22 Jan 2025) | ₹1,21,000 | ₹2,75,895 | +128% |
Best year of the journey: Year 3 (+29.1% market move) · Toughest year: Year 1 (-15.4%)
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 Institutional Plan's published NAV (source: AMFI) between 22 Jan 2015 and 22 Jan 2025; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.