₹25,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹25,000/month SIP on 7 Oct 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
₹30,25,000
121 installments
Value today
₹38,18,007
7 Oct 2026
Absolute gain
+₹7,93,007
+26.2%
XIRR (annualised)
4.58%
money-weighted
The journey, month by month
Worst fall on the way
-44%
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
₹41,98,034
Modelled at historical FD rates. The fund trailed FD by ₹3,80,027.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹3,25,000 | ₹3,43,063 | +5.6% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹5,17,972 | -17.1% |
| Year 3 (7 Oct 2019) | ₹9,25,000 | ₹8,98,428 | -2.9% |
| Year 4 (7 Oct 2020) | ₹12,25,000 | ₹10,74,862 | -12.3% |
| Year 5 (7 Oct 2021) | ₹15,25,000 | ₹19,19,150 | +25.8% |
| Year 6 (7 Oct 2022) | ₹18,25,000 | ₹22,55,719 | +23.6% |
| Year 7 (9 Oct 2023) | ₹21,25,000 | ₹29,86,868 | +40.6% |
| Year 8 (7 Oct 2024) | ₹24,25,000 | ₹35,32,298 | +45.7% |
| Year 9 (7 Oct 2025) | ₹27,25,000 | ₹40,50,900 | +48.7% |
| Year 10 (7 Oct 2026) | ₹29,75,000 | ₹37,70,484 | +26.7% |
Best year of the journey: Year 5 (+39.6% market move) · Toughest year: Year 2 (-19.5%)
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 7 Oct 2016 and 7 Oct 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.