₹5,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Institutional Plan for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹13,79,474
22 Jan 2025
Absolute gain
+₹7,74,474
+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
₹8,56,715
Modelled at historical FD rates. The fund beat FD by ₹5,22,759.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (22 Jan 2016) | ₹65,000 | ₹55,017 | -15.4% |
| Year 2 (23 Jan 2017) | ₹1,25,000 | ₹1,37,041 | +9.6% |
| Year 3 (22 Jan 2018) | ₹1,85,000 | ₹2,54,417 | +37.5% |
| Year 4 (22 Jan 2019) | ₹2,45,000 | ₹2,96,332 | +21% |
| Year 5 (22 Jan 2020) | ₹3,05,000 | ₹4,36,710 | +43.2% |
| Year 6 (22 Jan 2021) | ₹3,65,000 | ₹5,45,319 | +49.4% |
| Year 7 (24 Jan 2022) | ₹4,25,000 | ₹7,10,989 | +67.3% |
| Year 8 (23 Jan 2023) | ₹4,85,000 | ₹8,90,010 | +83.5% |
| Year 9 (23 Jan 2024) | ₹5,45,000 | ₹12,21,297 | +124.1% |
| Year 10 (22 Jan 2025) | ₹6,05,000 | ₹13,79,474 | +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.