₹1,000 Monthly SIP in Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,38,764
1 Oct 2026
Absolute gain
+₹17,764
+14.7%
XIRR (annualised)
2.72%
money-weighted
The journey, month by month
Worst fall on the way
-37.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,67,750
Modelled at historical FD rates. The fund trailed FD by ₹28,986.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹13,000 | ₹13,180 | +1.4% |
| Year 2 (1 Oct 2018) | ₹25,000 | ₹21,452 | -14.2% |
| Year 3 (1 Oct 2019) | ₹37,000 | ₹34,010 | -8.1% |
| Year 4 (1 Oct 2020) | ₹49,000 | ₹45,471 | -7.2% |
| Year 5 (1 Oct 2021) | ₹61,000 | ₹77,741 | +27.4% |
| Year 6 (3 Oct 2022) | ₹73,000 | ₹82,141 | +12.5% |
| Year 7 (3 Oct 2023) | ₹85,000 | ₹1,02,882 | +21% |
| Year 8 (1 Oct 2024) | ₹97,000 | ₹1,45,049 | +49.5% |
| Year 9 (1 Oct 2025) | ₹1,09,000 | ₹1,49,966 | +37.6% |
| Year 10 (1 Oct 2026) | ₹1,19,000 | ₹1,36,873 | +15% |
Best year of the journey: Year 5 (+35.3% market move) · Toughest year: Year 2 (-14.8%)
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 Value / Contra funds
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 3 Oct 2016 and 1 Oct 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.