₹5,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹5,000/month SIP on 12 Sept 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
₹6,05,000
121 installments
Value today
₹7,99,834
11 Sept 2026
Absolute gain
+₹1,94,834
+32.2%
XIRR (annualised)
5.46%
money-weighted
The journey, month by month
Worst fall on the way
-44.1%
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
₹8,40,735
Modelled at historical FD rates. The fund trailed FD by ₹40,901.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹65,000 | ₹70,542 | +8.5% |
| Year 2 (11 Sept 2018) | ₹1,25,000 | ₹1,20,599 | -3.5% |
| Year 3 (11 Sept 2019) | ₹1,85,000 | ₹1,82,107 | -1.6% |
| Year 4 (11 Sept 2020) | ₹2,45,000 | ₹2,07,197 | -15.4% |
| Year 5 (13 Sept 2021) | ₹3,05,000 | ₹3,79,765 | +24.5% |
| Year 6 (12 Sept 2022) | ₹3,65,000 | ₹4,69,344 | +28.6% |
| Year 7 (11 Sept 2023) | ₹4,25,000 | ₹6,10,055 | +43.5% |
| Year 8 (11 Sept 2024) | ₹4,85,000 | ₹7,80,796 | +61% |
| Year 9 (11 Sept 2025) | ₹5,45,000 | ₹7,89,851 | +44.9% |
| Year 10 (11 Sept 2026) | ₹5,95,000 | ₹7,89,913 | +32.8% |
Best year of the journey: Year 5 (+42.1% market move) · Toughest year: Year 4 (-14.4%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 12 Sept 2016 and 11 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.