₹5,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹5,000/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
₹9,05,000
181 installments
Value today
₹14,29,859
24 Sept 2026
Absolute gain
+₹5,24,859
+58%
XIRR (annualised)
5.81%
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
₹16,82,928
Modelled at historical FD rates. The fund trailed FD by ₹2,53,069.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Sept 2012) | ₹65,000 | ₹72,124 | +11% |
| Year 2 (24 Sept 2013) | ₹1,25,000 | ₹1,12,014 | -10.4% |
| Year 3 (24 Sept 2014) | ₹1,85,000 | ₹2,23,690 | +20.9% |
| Year 4 (24 Sept 2015) | ₹2,45,000 | ₹3,04,855 | +24.4% |
| Year 5 (26 Sept 2016) | ₹3,05,000 | ₹4,20,616 | +37.9% |
| Year 6 (25 Sept 2017) | ₹3,65,000 | ₹5,32,822 | +46% |
| Year 7 (24 Sept 2018) | ₹4,25,000 | ₹4,91,955 | +15.8% |
| Year 8 (24 Sept 2019) | ₹4,85,000 | ₹6,43,167 | +32.6% |
| Year 9 (24 Sept 2020) | ₹5,45,000 | ₹5,22,580 | -4.1% |
| Year 10 (24 Sept 2021) | ₹6,05,000 | ₹9,43,463 | +55.9% |
| Year 11 (26 Sept 2022) | ₹6,65,000 | ₹9,91,096 | +49% |
| Year 12 (25 Sept 2023) | ₹7,25,000 | ₹12,51,223 | +72.6% |
| Year 13 (24 Sept 2024) | ₹7,85,000 | ₹16,23,696 | +106.8% |
| Year 14 (24 Sept 2025) | ₹8,45,000 | ₹15,31,179 | +81.2% |
| Year 15 (24 Sept 2026) | ₹8,95,000 | ₹14,20,279 | +58.7% |
Best year of the journey: Year 10 (+61.9% market move) · Toughest year: Year 9 (-25.7%)
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 26 Sept 2011 and 24 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.