₹25,000 Monthly SIP in Sundaram Small Cap Fund Direct Plan for 10 Years
If you had started a ₹25,000/month SIP on 30 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Small Cap Fund Direct Plan's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹79,97,601
30 Sept 2026
Absolute gain
+₹49,72,601
+164.4%
XIRR (annualised)
18.34%
money-weighted
The journey, month by month
Worst fall on the way
-39.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
8
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,17,608
Modelled at historical FD rates. The fund beat FD by ₹37,79,993.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,50,000 | ₹3,91,014 | +11.7% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹5,58,775 | -14% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹7,98,279 | -13.7% |
| Year 4 (30 Sept 2020) | ₹12,25,000 | ₹11,84,634 | -3.3% |
| Year 5 (30 Sept 2021) | ₹15,25,000 | ₹26,85,383 | +76.1% |
| Year 6 (30 Sept 2022) | ₹18,25,000 | ₹30,74,939 | +68.5% |
| Year 7 (3 Oct 2023) | ₹21,50,000 | ₹44,60,291 | +107.5% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹66,37,036 | +173.7% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹66,11,750 | +142.6% |
| Year 10 (30 Sept 2026) | ₹30,25,000 | ₹79,97,601 | +164.4% |
Best year of the journey: Year 5 (+80.9% market move) · Toughest year: Year 2 (-19.1%)
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 Small Cap funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Small Cap Fund Direct Plan's published NAV (source: AMFI) between 30 Sept 2016 and 30 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.