₹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 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
₹3,62,000
181 installments
Value today
₹5,95,432
18 Aug 2026
Absolute gain
+₹2,33,432
+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
₹6,73,634
Modelled at historical FD rates. The fund trailed FD by ₹78,202.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹26,000 | ₹26,808 | +3.1% |
| Year 2 (19 Aug 2013) | ₹50,000 | ₹41,183 | -17.6% |
| Year 3 (18 Aug 2014) | ₹74,000 | ₹88,260 | +19.3% |
| Year 4 (18 Aug 2015) | ₹98,000 | ₹1,32,682 | +35.4% |
| Year 5 (18 Aug 2016) | ₹1,22,000 | ₹1,66,877 | +36.8% |
| Year 6 (18 Aug 2017) | ₹1,46,000 | ₹2,21,029 | +51.4% |
| Year 7 (20 Aug 2018) | ₹1,70,000 | ₹2,33,715 | +37.5% |
| Year 8 (19 Aug 2019) | ₹1,94,000 | ₹2,48,849 | +28.3% |
| Year 9 (18 Aug 2020) | ₹2,18,000 | ₹2,26,462 | +3.9% |
| Year 10 (18 Aug 2021) | ₹2,42,000 | ₹3,58,294 | +48.1% |
| Year 11 (18 Aug 2022) | ₹2,66,000 | ₹4,12,236 | +55% |
| Year 12 (18 Aug 2023) | ₹2,90,000 | ₹4,84,624 | +67.1% |
| Year 13 (19 Aug 2024) | ₹3,14,000 | ₹6,10,312 | +94.4% |
| Year 14 (18 Aug 2025) | ₹3,38,000 | ₹6,17,156 | +82.6% |
| Year 15 (18 Aug 2026) | ₹3,58,000 | ₹5,91,464 | +65.2% |
Best year of the journey: Year 10 (+43.1% market move) · Toughest year: Year 2 (-18.9%)
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 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.