₹10,000 Monthly SIP in Sundaram Services Fund Regular Plan - Reinvestment of Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹10,000/month SIP on 30 Aug 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹6,77,893
28 Aug 2026
Absolute gain
+₹67,893
+11.1%
XIRR (annualised)
4.14%
money-weighted
The journey, month by month
Worst fall on the way
-18.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
4
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹7,16,951
Modelled at historical FD rates. The fund trailed FD by ₹39,058.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Aug 2022) | ₹1,30,000 | ₹1,34,112 | +3.2% |
| Year 2 (28 Aug 2023) | ₹2,50,000 | ₹2,76,878 | +10.8% |
| Year 3 (28 Aug 2024) | ₹3,70,000 | ₹4,85,459 | +31.2% |
| Year 4 (28 Aug 2025) | ₹4,90,000 | ₹5,95,819 | +21.6% |
| Year 5 (28 Aug 2026) | ₹5,80,000 | ₹6,47,732 | +11.7% |
Best year of the journey: Year 3 (+22.3% market move) · Toughest year: Year 5 (-5.6%)
Wealth Time Machine
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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 30 Aug 2021 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.