₹25,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹25,000/month SIP on 18 Aug 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
₹15,25,000
61 installments
Value today
₹16,42,737
18 Aug 2026
Absolute gain
+₹1,17,737
+7.7%
XIRR (annualised)
2.94%
money-weighted
The journey, month by month
Worst fall on the way
-17%
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
₹17,90,014
Modelled at historical FD rates. The fund trailed FD by ₹1,47,277.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹3,25,000 | ₹3,47,912 | +7% |
| Year 2 (18 Aug 2023) | ₹6,25,000 | ₹7,17,469 | +14.8% |
| Year 3 (19 Aug 2024) | ₹9,25,000 | ₹11,92,271 | +28.9% |
| Year 4 (18 Aug 2025) | ₹12,25,000 | ₹14,63,571 | +19.5% |
| Year 5 (18 Aug 2026) | ₹14,75,000 | ₹15,93,136 | +8% |
Best year of the journey: Year 3 (+17.2% market move) · Toughest year: Year 5 (-7%)
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 2021 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.