₹5,000 Monthly SIP in Sundaram Financial Services Opportunities Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹5,000/month SIP on 18 Aug 2023 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,78,128
18 Aug 2026
Absolute gain
₹-6,872
-3.7%
XIRR (annualised)
-2.45%
money-weighted
The journey, month by month
Worst fall on the way
-14.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,05,935
Modelled at historical FD rates. The fund trailed FD by ₹27,807.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹65,000 | ₹71,529 | +10% |
| Year 2 (18 Aug 2025) | ₹1,25,000 | ₹1,30,607 | +4.5% |
| Year 3 (18 Aug 2026) | ₹1,75,000 | ₹1,68,208 | -3.9% |
Best year of the journey: Year 1 (+10% market move) · Toughest year: Year 3 (-6.9%)
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 2023 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.