₹10,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Institutional Plan for 3 Years
If you had started a ₹10,000/month SIP on 24 Jan 2022 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 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹4,74,519
22 Jan 2025
Absolute gain
+₹1,04,519
+28.2%
XIRR (annualised)
16.62%
money-weighted
The journey, month by month
Worst fall on the way
-10%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹4,07,725
Modelled at historical FD rates. The fund beat FD by ₹66,794.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (23 Jan 2023) | ₹1,30,000 | ₹1,46,908 | +13% |
| Year 2 (23 Jan 2024) | ₹2,50,000 | ₹3,31,692 | +32.7% |
| Year 3 (22 Jan 2025) | ₹3,70,000 | ₹4,74,519 | +28.2% |
Best year of the journey: Year 2 (+24.3% market move) · Toughest year: Year 3 (5.1%)
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 Institutional Plan's published NAV (source: AMFI) between 24 Jan 2022 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.