₹25,000 Monthly SIP in Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹25,000/month SIP on 29 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
₹30,25,000
121 installments
Value today
₹35,13,749
29 Sept 2026
Absolute gain
+₹4,88,749
+16.2%
XIRR (annualised)
2.92%
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
₹42,16,508
Modelled at historical FD rates. The fund trailed FD by ₹7,02,759.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹3,25,000 | ₹3,28,421 | +1.1% |
| Year 2 (1 Oct 2018) | ₹6,50,000 | ₹5,58,329 | -14.1% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹8,58,602 | -7.2% |
| Year 4 (29 Sept 2020) | ₹12,25,000 | ₹11,19,905 | -8.6% |
| Year 5 (29 Sept 2021) | ₹15,25,000 | ₹19,57,833 | +28.4% |
| Year 6 (29 Sept 2022) | ₹18,25,000 | ₹20,47,200 | +12.2% |
| Year 7 (29 Sept 2023) | ₹21,25,000 | ₹25,81,655 | +21.5% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹36,39,310 | +50.1% |
| Year 9 (30 Sept 2025) | ₹27,25,000 | ₹37,38,431 | +37.2% |
| Year 10 (29 Sept 2026) | ₹29,75,000 | ₹34,65,944 | +16.5% |
Best year of the journey: Year 5 (+37.9% market move) · Toughest year: Year 2 (-14.6%)
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 29 Sept 2016 and 29 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.