₹2,000 Monthly SIP in Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹2,000/month SIP on 26 Sept 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
₹2,42,000
121 installments
Value today
₹2,86,145
25 Sept 2026
Absolute gain
+₹44,145
+18.2%
XIRR (annualised)
3.28%
money-weighted
The journey, month by month
Worst fall on the way
-37.6%
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
₹3,37,092
Modelled at historical FD rates. The fund trailed FD by ₹50,947.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2017) | ₹26,000 | ₹26,222 | +0.9% |
| Year 2 (25 Sept 2018) | ₹50,000 | ₹43,392 | -13.2% |
| Year 3 (25 Sept 2019) | ₹74,000 | ₹68,131 | -7.9% |
| Year 4 (25 Sept 2020) | ₹98,000 | ₹87,950 | -10.3% |
| Year 5 (27 Sept 2021) | ₹1,22,000 | ₹1,58,186 | +29.7% |
| Year 6 (26 Sept 2022) | ₹1,46,000 | ₹1,65,141 | +13.1% |
| Year 7 (25 Sept 2023) | ₹1,70,000 | ₹2,06,448 | +21.4% |
| Year 8 (25 Sept 2024) | ₹1,94,000 | ₹2,93,396 | +51.2% |
| Year 9 (25 Sept 2025) | ₹2,18,000 | ₹3,02,021 | +38.5% |
| Year 10 (25 Sept 2026) | ₹2,38,000 | ₹2,82,250 | +18.6% |
Best year of the journey: Year 5 (+41.3% market move) · Toughest year: Year 2 (-13.6%)
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 26 Sept 2016 and 25 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.