₹10,000 Monthly SIP in Sundaram Services Fund Regular Plan - Reinvestment of Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹10,000/month SIP on 28 Aug 2023 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Services Fund Regular Plan - Reinvestment of Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 37 installments.
You invested
₹3,70,000
37 installments
Value today
₹3,73,390
28 Aug 2026
Absolute gain
+₹3,390
+0.9%
XIRR (annualised)
0.59%
money-weighted
The journey, month by month
Worst fall on the way
-14.3%
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
₹4,12,326
Modelled at historical FD rates. The fund trailed FD by ₹38,936.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Aug 2024) | ₹1,30,000 | ₹1,52,579 | +17.4% |
| Year 2 (28 Aug 2025) | ₹2,50,000 | ₹2,72,013 | +8.8% |
| Year 3 (28 Aug 2026) | ₹3,40,000 | ₹3,43,229 | +0.9% |
Best year of the journey: Year 1 (+17.4% market move) · Toughest year: Year 3 (-5.2%)
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 Services Fund Regular Plan - Reinvestment of Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 28 Aug 2023 and 28 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.