₹2,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹2,000/month SIP on 28 Sept 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
₹3,62,000
181 installments
Value today
₹5,63,712
28 Sept 2026
Absolute gain
+₹2,01,712
+55.7%
XIRR (annualised)
5.63%
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
₹6,73,696
Modelled at historical FD rates. The fund trailed FD by ₹1,09,984.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2012) | ₹26,000 | ₹29,049 | +11.7% |
| Year 2 (30 Sept 2013) | ₹50,000 | ₹43,113 | -13.8% |
| Year 3 (29 Sept 2014) | ₹74,000 | ₹88,215 | +19.2% |
| Year 4 (28 Sept 2015) | ₹98,000 | ₹1,21,363 | +23.8% |
| Year 5 (28 Sept 2016) | ₹1,22,000 | ₹1,69,162 | +38.7% |
| Year 6 (28 Sept 2017) | ₹1,46,000 | ₹2,11,574 | +44.9% |
| Year 7 (28 Sept 2018) | ₹1,70,000 | ₹1,95,889 | +15.2% |
| Year 8 (30 Sept 2019) | ₹1,94,000 | ₹2,50,952 | +29.4% |
| Year 9 (28 Sept 2020) | ₹2,18,000 | ₹2,19,631 | +0.7% |
| Year 10 (28 Sept 2021) | ₹2,42,000 | ₹3,74,887 | +54.9% |
| Year 11 (28 Sept 2022) | ₹2,66,000 | ₹3,88,651 | +46.1% |
| Year 12 (29 Sept 2023) | ₹2,90,000 | ₹5,05,643 | +74.4% |
| Year 13 (30 Sept 2024) | ₹3,14,000 | ₹6,39,960 | +103.8% |
| Year 14 (30 Sept 2025) | ₹3,38,000 | ₹6,07,355 | +79.7% |
| Year 15 (28 Sept 2026) | ₹3,58,000 | ₹5,59,934 | +56.4% |
Best year of the journey: Year 10 (+53.9% market move) · Toughest year: Year 9 (-20.1%)
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 28 Sept 2011 and 28 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.