₹25,000 Monthly SIP in Sundaram Multi Cap Fund (Formerly Known as Principal Multi Cap Growth Fund)- Income Distribution CUM Capital Withdrawal Option (IDCW) for 15 Years
If you had started a ₹25,000/month SIP on 30 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Multi Cap Fund (Formerly Known as Principal Multi Cap Growth Fund)- Income Distribution CUM Capital Withdrawal Option (IDCW)'s actual NAV for all 181 installments.
You invested
₹45,25,000
181 installments
Value today
₹74,13,682
30 Sept 2026
Absolute gain
+₹28,88,682
+63.8%
XIRR (annualised)
6.25%
money-weighted
The journey, month by month
Worst fall on the way
-36.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
11
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹84,24,854
Modelled at historical FD rates. The fund trailed FD by ₹10,11,172.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2012) | ₹3,50,000 | ₹4,03,504 | +15.3% |
| Year 2 (30 Sept 2013) | ₹6,25,000 | ₹6,74,822 | +8% |
| Year 3 (30 Sept 2014) | ₹9,25,000 | ₹15,03,726 | +62.6% |
| Year 4 (30 Sept 2015) | ₹12,25,000 | ₹16,81,762 | +37.3% |
| Year 5 (30 Sept 2016) | ₹15,25,000 | ₹22,88,230 | +50% |
| Year 6 (3 Oct 2017) | ₹18,50,000 | ₹23,35,301 | +26.2% |
| Year 7 (1 Oct 2018) | ₹21,50,000 | ₹23,79,846 | +10.7% |
| Year 8 (30 Sept 2019) | ₹24,25,000 | ₹26,17,660 | +7.9% |
| Year 9 (30 Sept 2020) | ₹27,25,000 | ₹29,45,394 | +8.1% |
| Year 10 (30 Sept 2021) | ₹30,25,000 | ₹49,79,967 | +64.6% |
| Year 11 (30 Sept 2022) | ₹33,25,000 | ₹50,41,904 | +51.6% |
| Year 12 (3 Oct 2023) | ₹36,50,000 | ₹58,58,659 | +60.5% |
| Year 13 (30 Sept 2024) | ₹39,25,000 | ₹80,51,222 | +105.1% |
| Year 14 (30 Sept 2025) | ₹42,25,000 | ₹76,91,248 | +82% |
| Year 15 (30 Sept 2026) | ₹45,25,000 | ₹74,13,682 | +63.8% |
Best year of the journey: Year 3 (+54.3% market move) · Toughest year: Year 6 (-10.6%)
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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Same SIP in other Multi Cap funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Multi Cap Fund (Formerly Known as Principal Multi Cap Growth Fund)- Income Distribution CUM Capital Withdrawal Option (IDCW)'s published NAV (source: AMFI) between 30 Sept 2011 and 30 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.