₹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 18 Aug 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
₹6,57,095
18 Aug 2026
Absolute gain
+₹47,095
+7.7%
XIRR (annualised)
2.94%
money-weighted
The journey, month by month
Worst fall on the way
-17%
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
₹7,16,005
Modelled at historical FD rates. The fund trailed FD by ₹58,910.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹1,30,000 | ₹1,39,165 | +7% |
| Year 2 (18 Aug 2023) | ₹2,50,000 | ₹2,86,988 | +14.8% |
| Year 3 (19 Aug 2024) | ₹3,70,000 | ₹4,76,908 | +28.9% |
| Year 4 (18 Aug 2025) | ₹4,90,000 | ₹5,85,429 | +19.5% |
| Year 5 (18 Aug 2026) | ₹5,90,000 | ₹6,37,254 | +8% |
Best year of the journey: Year 3 (+17.2% market move) · Toughest year: Year 5 (-7%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 2021 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.