₹10,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹10,000/month SIP on 7 Oct 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,24,512
7 Oct 2026
Absolute gain
+₹14,512
+2.4%
XIRR (annualised)
0.94%
money-weighted
The journey, month by month
Worst fall on the way
-16.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,165
Modelled at historical FD rates. The fund trailed FD by ₹91,653.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹1,30,000 | ₹1,35,848 | +4.5% |
| Year 2 (9 Oct 2023) | ₹2,50,000 | ₹2,93,578 | +17.4% |
| Year 3 (7 Oct 2024) | ₹3,70,000 | ₹4,36,490 | +18% |
| Year 4 (7 Oct 2025) | ₹4,90,000 | ₹5,87,733 | +19.9% |
| Year 5 (7 Oct 2026) | ₹5,90,000 | ₹6,05,503 | +2.6% |
Best year of the journey: Year 2 (+14.7% market move) · Toughest year: Year 5 (-12%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
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 2021 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.