₹10,000 Monthly SIP in Sundaram Infrastructure Advantage Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹10,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Infrastructure Advantage Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹19,99,826
3 Sept 2026
Absolute gain
+₹7,89,826
+65.3%
XIRR (annualised)
9.76%
money-weighted
The journey, month by month
Worst fall on the way
-41.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
9
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,189
Modelled at historical FD rates. The fund beat FD by ₹3,20,637.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹1,30,000 | ₹1,43,596 | +10.5% |
| Year 2 (3 Sept 2018) | ₹2,50,000 | ₹2,62,278 | +4.9% |
| Year 3 (3 Sept 2019) | ₹3,70,000 | ₹3,25,327 | -12.1% |
| Year 4 (3 Sept 2020) | ₹4,90,000 | ₹4,33,619 | -11.5% |
| Year 5 (3 Sept 2021) | ₹6,10,000 | ₹8,16,939 | +33.9% |
| Year 6 (5 Sept 2022) | ₹7,30,000 | ₹10,28,226 | +40.9% |
| Year 7 (4 Sept 2023) | ₹8,50,000 | ₹13,00,017 | +52.9% |
| Year 8 (3 Sept 2024) | ₹9,70,000 | ₹19,59,163 | +102% |
| Year 9 (3 Sept 2025) | ₹10,90,000 | ₹18,72,933 | +71.8% |
| Year 10 (3 Sept 2026) | ₹11,90,000 | ₹19,80,310 | +66.4% |
Best year of the journey: Year 5 (+47.6% market move) · Toughest year: Year 3 (-14.9%)
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 Infrastructure Advantage Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 6 Sept 2016 and 3 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.