₹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 7 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
₹12,10,000
121 installments
Value today
₹15,27,203
7 Oct 2026
Absolute gain
+₹3,17,203
+26.2%
XIRR (annualised)
4.58%
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
₹16,79,214
Modelled at historical FD rates. The fund trailed FD by ₹1,52,011.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,37,225 | +5.6% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,07,189 | -17.1% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,59,371 | -2.9% |
| Year 4 (7 Oct 2020) | ₹4,90,000 | ₹4,29,945 | -12.3% |
| Year 5 (7 Oct 2021) | ₹6,10,000 | ₹7,67,660 | +25.8% |
| Year 6 (7 Oct 2022) | ₹7,30,000 | ₹9,02,288 | +23.6% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹11,94,747 | +40.6% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹14,12,919 | +45.7% |
| Year 9 (7 Oct 2025) | ₹10,90,000 | ₹16,20,360 | +48.7% |
| Year 10 (7 Oct 2026) | ₹11,90,000 | ₹15,08,194 | +26.7% |
Best year of the journey: Year 5 (+39.6% market move) · Toughest year: Year 2 (-19.5%)
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 7 Oct 2016 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.