₹10,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹10,000/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
₹18,10,000
181 installments
Value today
₹28,21,504
7 Oct 2026
Absolute gain
+₹10,11,504
+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
₹33,47,907
Modelled at historical FD rates. The fund trailed FD by ₹5,26,403.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,43,785 | +10.6% |
| Year 2 (7 Oct 2013) | ₹2,50,000 | ₹2,26,017 | -9.6% |
| Year 3 (7 Oct 2014) | ₹3,70,000 | ₹4,30,253 | +16.3% |
| Year 4 (7 Oct 2015) | ₹4,90,000 | ₹6,17,759 | +26.1% |
| Year 5 (7 Oct 2016) | ₹6,10,000 | ₹8,34,389 | +36.8% |
| Year 6 (9 Oct 2017) | ₹7,30,000 | ₹10,60,699 | +45.3% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹9,38,871 | +10.5% |
| Year 8 (7 Oct 2019) | ₹9,70,000 | ₹12,03,423 | +24.1% |
| Year 9 (7 Oct 2020) | ₹10,90,000 | ₹11,64,287 | +6.8% |
| Year 10 (7 Oct 2021) | ₹12,10,000 | ₹18,54,011 | +53.2% |
| Year 11 (7 Oct 2022) | ₹13,30,000 | ₹20,01,227 | +50.5% |
| Year 12 (9 Oct 2023) | ₹14,50,000 | ₹24,86,866 | +71.5% |
| Year 13 (7 Oct 2024) | ₹15,70,000 | ₹28,12,947 | +79.2% |
| Year 14 (7 Oct 2025) | ₹16,90,000 | ₹31,00,965 | +83.5% |
| Year 15 (7 Oct 2026) | ₹17,90,000 | ₹28,02,494 | +56.6% |
Best year of the journey: Year 10 (+44.4% market move) · Toughest year: Year 7 (-20.5%)
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 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.