₹5,000 Monthly SIP in Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW) for 5 Years
If you had started a ₹5,000/month SIP on 3 Jan 2022 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW)'s actual NAV for all 56 installments.
You invested
₹2,80,000
56 installments
Value today
₹2,81,108
18 Aug 2026
Absolute gain
+₹1,108
+0.4%
XIRR (annualised)
0.17%
money-weighted
The journey, month by month
Worst fall on the way
-1.5%
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
₹3,25,700
Modelled at historical FD rates. The fund trailed FD by ₹44,592.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹40,000 | ₹39,955 | -0.1% |
| Year 2 (18 Aug 2023) | ₹1,00,000 | ₹99,823 | -0.2% |
| Year 3 (19 Aug 2024) | ₹1,60,000 | ₹1,59,729 | -0.2% |
| Year 4 (18 Aug 2025) | ₹2,20,000 | ₹2,22,160 | +1% |
| Year 5 (18 Aug 2026) | ₹2,70,000 | ₹2,71,166 | +0.4% |
Best year of the journey: Year 4 (+1.1% market move) · Toughest year: Year 5 (-0.4%)
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 Ultra Short Duration funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW)'s published NAV (source: AMFI) between 3 Jan 2022 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.