₹1,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹1,000/month SIP on 7 Oct 2011 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 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹2,82,150
7 Oct 2026
Absolute gain
+₹1,01,150
+55.9%
XIRR (annualised)
5.68%
money-weighted
The journey, month by month
Worst fall on the way
-44.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
19
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,34,791
Modelled at historical FD rates. The fund trailed FD by ₹52,641.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹13,000 | ₹14,379 | +10.6% |
| Year 2 (7 Oct 2013) | ₹25,000 | ₹22,602 | -9.6% |
| Year 3 (7 Oct 2014) | ₹37,000 | ₹43,025 | +16.3% |
| Year 4 (7 Oct 2015) | ₹49,000 | ₹61,776 | +26.1% |
| Year 5 (7 Oct 2016) | ₹61,000 | ₹83,439 | +36.8% |
| Year 6 (9 Oct 2017) | ₹73,000 | ₹1,06,070 | +45.3% |
| Year 7 (8 Oct 2018) | ₹85,000 | ₹93,887 | +10.5% |
| Year 8 (7 Oct 2019) | ₹97,000 | ₹1,20,342 | +24.1% |
| Year 9 (7 Oct 2020) | ₹1,09,000 | ₹1,16,429 | +6.8% |
| Year 10 (7 Oct 2021) | ₹1,21,000 | ₹1,85,401 | +53.2% |
| Year 11 (7 Oct 2022) | ₹1,33,000 | ₹2,00,123 | +50.5% |
| Year 12 (9 Oct 2023) | ₹1,45,000 | ₹2,48,687 | +71.5% |
| Year 13 (7 Oct 2024) | ₹1,57,000 | ₹2,81,295 | +79.2% |
| Year 14 (7 Oct 2025) | ₹1,69,000 | ₹3,10,097 | +83.5% |
| Year 15 (7 Oct 2026) | ₹1,79,000 | ₹2,80,249 | +56.6% |
Best year of the journey: Year 10 (+44.4% market move) · Toughest year: Year 7 (-20.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 7 Oct 2011 and 7 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.