₹25,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹25,000/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
₹45,25,000
181 installments
Value today
₹74,42,905
18 Aug 2026
Absolute gain
+₹29,17,905
+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
₹84,20,423
Modelled at historical FD rates. The fund trailed FD by ₹9,77,518.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹3,25,000 | ₹3,35,100 | +3.1% |
| Year 2 (19 Aug 2013) | ₹6,25,000 | ₹5,14,782 | -17.6% |
| Year 3 (18 Aug 2014) | ₹9,25,000 | ₹11,03,256 | +19.3% |
| Year 4 (18 Aug 2015) | ₹12,25,000 | ₹16,58,530 | +35.4% |
| Year 5 (18 Aug 2016) | ₹15,25,000 | ₹20,85,960 | +36.8% |
| Year 6 (18 Aug 2017) | ₹18,25,000 | ₹27,62,863 | +51.4% |
| Year 7 (20 Aug 2018) | ₹21,25,000 | ₹29,21,440 | +37.5% |
| Year 8 (19 Aug 2019) | ₹24,25,000 | ₹31,10,610 | +28.3% |
| Year 9 (18 Aug 2020) | ₹27,25,000 | ₹28,30,770 | +3.9% |
| Year 10 (18 Aug 2021) | ₹30,25,000 | ₹44,78,671 | +48.1% |
| Year 11 (18 Aug 2022) | ₹33,25,000 | ₹51,52,945 | +55% |
| Year 12 (18 Aug 2023) | ₹36,25,000 | ₹60,57,797 | +67.1% |
| Year 13 (19 Aug 2024) | ₹39,25,000 | ₹76,28,897 | +94.4% |
| Year 14 (18 Aug 2025) | ₹42,25,000 | ₹77,14,451 | +82.6% |
| Year 15 (18 Aug 2026) | ₹44,75,000 | ₹73,93,303 | +65.2% |
Best year of the journey: Year 10 (+43.1% market move) · Toughest year: Year 2 (-18.9%)
Wealth Time Machine
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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.