₹5,000 Monthly SIP in Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹5,000/month SIP on 30 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
₹6,05,000
121 installments
Value today
₹7,01,537
30 Sept 2026
Absolute gain
+₹96,537
+16%
XIRR (annualised)
2.89%
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
₹8,43,444
Modelled at historical FD rates. The fund trailed FD by ₹1,41,907.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹70,000 | ₹71,051 | +1.5% |
| Year 2 (1 Oct 2018) | ₹1,30,000 | ₹1,11,610 | -14.1% |
| Year 3 (30 Sept 2019) | ₹1,85,000 | ₹1,71,663 | -7.2% |
| Year 4 (30 Sept 2020) | ₹2,45,000 | ₹2,24,638 | -8.3% |
| Year 5 (30 Sept 2021) | ₹3,05,000 | ₹3,90,264 | +28% |
| Year 6 (30 Sept 2022) | ₹3,65,000 | ₹4,15,982 | +14% |
| Year 7 (3 Oct 2023) | ₹4,30,000 | ₹5,20,459 | +21% |
| Year 8 (30 Sept 2024) | ₹4,85,000 | ₹7,27,764 | +50.1% |
| Year 9 (30 Sept 2025) | ₹5,45,000 | ₹7,47,593 | +37.2% |
| Year 10 (30 Sept 2026) | ₹5,95,000 | ₹6,91,991 | +16.3% |
Best year of the journey: Year 5 (+37.1% 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 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.