₹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 18 Aug 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
₹29,77,162
18 Aug 2026
Absolute gain
+₹11,67,162
+64.5%
XIRR (annualised)
6.32%
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
₹33,68,169
Modelled at historical FD rates. The fund trailed FD by ₹3,91,007.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,34,040 | +3.1% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,05,913 | -17.6% |
| Year 3 (18 Aug 2014) | ₹3,70,000 | ₹4,41,302 | +19.3% |
| Year 4 (18 Aug 2015) | ₹4,90,000 | ₹6,63,412 | +35.4% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹8,34,384 | +36.8% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹11,05,145 | +51.4% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹11,68,576 | +37.5% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹12,44,244 | +28.3% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹11,32,308 | +3.9% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹17,91,468 | +48.1% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹20,61,178 | +55% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹24,23,119 | +67.1% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹30,51,559 | +94.4% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹30,85,781 | +82.6% |
| Year 15 (18 Aug 2026) | ₹17,90,000 | ₹29,57,321 | +65.2% |
Best year of the journey: Year 10 (+43.1% market move) · Toughest year: Year 2 (-18.9%)
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 2011 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.