₹10,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Institutional Plan for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹27,58,948
22 Jan 2025
Absolute gain
+₹15,48,948
+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
₹17,13,429
Modelled at historical FD rates. The fund beat FD by ₹10,45,519.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Jan 2016) | ₹1,30,000 | ₹1,10,034 | -15.4% |
| Year 2 (23 Jan 2017) | ₹2,50,000 | ₹2,74,081 | +9.6% |
| Year 3 (22 Jan 2018) | ₹3,70,000 | ₹5,08,834 | +37.5% |
| Year 4 (22 Jan 2019) | ₹4,90,000 | ₹5,92,664 | +21% |
| Year 5 (22 Jan 2020) | ₹6,10,000 | ₹8,73,421 | +43.2% |
| Year 6 (22 Jan 2021) | ₹7,30,000 | ₹10,90,637 | +49.4% |
| Year 7 (24 Jan 2022) | ₹8,50,000 | ₹14,21,978 | +67.3% |
| Year 8 (23 Jan 2023) | ₹9,70,000 | ₹17,80,021 | +83.5% |
| Year 9 (23 Jan 2024) | ₹10,90,000 | ₹24,42,593 | +124.1% |
| Year 10 (22 Jan 2025) | ₹12,10,000 | ₹27,58,948 | +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.