₹1,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 6 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,52,646
6 Oct 2026
Absolute gain
+₹31,646
+26.2%
XIRR (annualised)
4.57%
money-weighted
The journey, month by month
Worst fall on the way
-44%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
10
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,893
Modelled at historical FD rates. The fund trailed FD by ₹15,247.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹13,000 | ₹13,687 | +5.3% |
| Year 2 (8 Oct 2018) | ₹25,000 | ₹20,720 | -17.1% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹35,938 | -2.9% |
| Year 4 (6 Oct 2020) | ₹49,000 | ₹42,921 | -12.4% |
| Year 5 (6 Oct 2021) | ₹61,000 | ₹76,521 | +25.4% |
| Year 6 (6 Oct 2022) | ₹73,000 | ₹90,568 | +24.1% |
| Year 7 (6 Oct 2023) | ₹85,000 | ₹1,20,737 | +42% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹1,41,294 | +45.7% |
| Year 9 (6 Oct 2025) | ₹1,09,000 | ₹1,62,335 | +48.9% |
| Year 10 (6 Oct 2026) | ₹1,19,000 | ₹1,50,746 | +26.7% |
Best year of the journey: Year 5 (+39.3% market move) · Toughest year: Year 2 (-19.3%)
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 Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 6 Oct 2016 and 6 Oct 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.