₹25,000 Monthly SIP in Sundaram Overnight Fund Regular Plan - Fortnightly Reinvestment of Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹25,000/month SIP on 13 Sept 2021 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Overnight Fund Regular Plan - Fortnightly Reinvestment of Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹9,27,630
13 Sept 2024
Absolute gain
+₹2,630
+0.3%
XIRR (annualised)
0.19%
money-weighted
The journey, month by month
Worst fall on the way
-0.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
0
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹10,13,911
Modelled at historical FD rates. The fund trailed FD by ₹86,281.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (13 Sept 2022) | ₹3,25,000 | ₹3,25,030 | +0% |
| Year 2 (13 Sept 2023) | ₹6,25,000 | ₹6,25,186 | +0% |
| Year 3 (13 Sept 2024) | ₹9,25,000 | ₹9,27,630 | +0.3% |
Best year of the journey: Year 3 (+0.3% market move) · Toughest year: Year 1 (0%)
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 Overnight funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Overnight Fund Regular Plan - Fortnightly Reinvestment of Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 13 Sept 2021 and 13 Sept 2024; it is educational research, not investment advice. FD comparison is modelled at historical average FD rates. Mutual fund investments are subject to market risks.