₹2,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹2,000/month SIP on 26 Sept 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
₹2,42,000
121 installments
Value today
₹3,08,981
24 Sept 2026
Absolute gain
+₹66,981
+27.7%
XIRR (annualised)
4.76%
money-weighted
The journey, month by month
Worst fall on the way
-44.1%
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
₹3,37,034
Modelled at historical FD rates. The fund trailed FD by ₹28,053.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹26,000 | ₹27,576 | +6.1% |
| Year 2 (24 Sept 2018) | ₹50,000 | ₹43,041 | -13.9% |
| Year 3 (24 Sept 2019) | ₹74,000 | ₹76,479 | +3.4% |
| Year 4 (24 Sept 2020) | ₹98,000 | ₹76,646 | -21.8% |
| Year 5 (24 Sept 2021) | ₹1,22,000 | ₹1,55,900 | +27.8% |
| Year 6 (26 Sept 2022) | ₹1,46,000 | ₹1,78,300 | +22.1% |
| Year 7 (25 Sept 2023) | ₹1,70,000 | ₹2,40,065 | +41.2% |
| Year 8 (24 Sept 2024) | ₹1,94,000 | ₹3,25,886 | +68% |
| Year 9 (24 Sept 2025) | ₹2,18,000 | ₹3,19,575 | +46.6% |
| Year 10 (24 Sept 2026) | ₹2,38,000 | ₹3,05,148 | +28.2% |
Best year of the journey: Year 5 (+54.9% market move) · Toughest year: Year 4 (-23.7%)
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 26 Sept 2016 and 24 Sept 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.