₹10,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹10,000/month SIP on 18 Aug 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
₹12,10,000
121 installments
Value today
₹16,06,243
18 Aug 2026
Absolute gain
+₹3,96,243
+32.7%
XIRR (annualised)
5.52%
money-weighted
The journey, month by month
Worst fall on the way
-44.1%
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
₹16,84,304
Modelled at historical FD rates. The fund trailed FD by ₹78,061.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2017) | ₹1,30,000 | ₹1,43,608 | +10.5% |
| Year 2 (20 Aug 2018) | ₹2,50,000 | ₹2,54,875 | +1.9% |
| Year 3 (19 Aug 2019) | ₹3,70,000 | ₹3,68,260 | -0.5% |
| Year 4 (18 Aug 2020) | ₹4,90,000 | ₹4,12,791 | -15.8% |
| Year 5 (18 Aug 2021) | ₹6,10,000 | ₹7,38,805 | +21.1% |
| Year 6 (18 Aug 2022) | ₹7,30,000 | ₹9,25,467 | +26.8% |
| Year 7 (18 Aug 2023) | ₹8,50,000 | ₹11,60,886 | +36.6% |
| Year 8 (19 Aug 2024) | ₹9,70,000 | ₹15,30,207 | +57.8% |
| Year 9 (18 Aug 2025) | ₹10,90,000 | ₹16,08,331 | +47.6% |
| Year 10 (18 Aug 2026) | ₹11,90,000 | ₹15,86,402 | +33.3% |
Best year of the journey: Year 5 (+38.7% market move) · Toughest year: Year 4 (-15.5%)
Wealth Time Machine
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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 18 Aug 2016 and 18 Aug 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.