₹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 26 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
₹45,25,000
181 installments
Value today
₹71,68,424
25 Sept 2026
Absolute gain
+₹26,43,424
+58.4%
XIRR (annualised)
5.85%
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
₹84,16,293
Modelled at historical FD rates. The fund trailed FD by ₹12,47,869.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2012) | ₹3,25,000 | ₹3,59,935 | +10.7% |
| Year 2 (25 Sept 2013) | ₹6,25,000 | ₹5,57,591 | -10.8% |
| Year 3 (25 Sept 2014) | ₹9,25,000 | ₹10,87,694 | +17.6% |
| Year 4 (28 Sept 2015) | ₹12,25,000 | ₹15,17,523 | +23.9% |
| Year 5 (26 Sept 2016) | ₹15,25,000 | ₹21,03,080 | +37.9% |
| Year 6 (25 Sept 2017) | ₹18,25,000 | ₹26,64,110 | +46% |
| Year 7 (25 Sept 2018) | ₹21,25,000 | ₹24,94,668 | +17.4% |
| Year 8 (25 Sept 2019) | ₹24,25,000 | ₹31,56,005 | +30.1% |
| Year 9 (25 Sept 2020) | ₹27,25,000 | ₹26,71,880 | -1.9% |
| Year 10 (27 Sept 2021) | ₹30,25,000 | ₹47,37,202 | +56.6% |
| Year 11 (26 Sept 2022) | ₹33,25,000 | ₹49,55,482 | +49% |
| Year 12 (25 Sept 2023) | ₹36,25,000 | ₹62,56,113 | +72.6% |
| Year 13 (25 Sept 2024) | ₹39,25,000 | ₹81,18,341 | +106.8% |
| Year 14 (25 Sept 2025) | ₹42,25,000 | ₹76,25,250 | +80.5% |
| Year 15 (25 Sept 2026) | ₹44,75,000 | ₹71,20,394 | +59.1% |
Best year of the journey: Year 10 (+59.4% market move) · Toughest year: Year 9 (-22.7%)
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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 26 Sept 2011 and 25 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.