₹2,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹2,000/month SIP on 13 Sept 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
₹1,22,000
61 installments
Value today
₹1,30,669
10 Sept 2026
Absolute gain
+₹8,669
+7.1%
XIRR (annualised)
2.73%
money-weighted
The journey, month by month
Worst fall on the way
-16.9%
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
₹1,43,165
Modelled at historical FD rates. The fund trailed FD by ₹12,496.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (12 Sept 2022) | ₹26,000 | ₹28,198 | +8.5% |
| Year 2 (11 Sept 2023) | ₹50,000 | ₹60,150 | +20.3% |
| Year 3 (10 Sept 2024) | ₹74,000 | ₹97,336 | +31.5% |
| Year 4 (10 Sept 2025) | ₹98,000 | ₹1,14,511 | +16.8% |
| Year 5 (10 Sept 2026) | ₹1,18,000 | ₹1,26,705 | +7.4% |
Best year of the journey: Year 3 (+15.7% market move) · Toughest year: Year 5 (-5.8%)
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 13 Sept 2021 and 10 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.