₹5,000 Monthly SIP in Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹5,000/month SIP on 25 Sept 2023 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 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,71,606
24 Sept 2026
Absolute gain
₹-13,394
-7.2%
XIRR (annualised)
-4.78%
money-weighted
The journey, month by month
Worst fall on the way
-16%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,06,173
Modelled at historical FD rates. The fund trailed FD by ₹34,567.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Sept 2024) | ₹65,000 | ₹75,939 | +16.8% |
| Year 2 (24 Sept 2025) | ₹1,25,000 | ₹1,34,277 | +7.4% |
| Year 3 (24 Sept 2026) | ₹1,75,000 | ₹1,61,906 | -7.5% |
Best year of the journey: Year 1 (+16.8% market move) · Toughest year: Year 3 (-12.1%)
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 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 25 Sept 2023 and 24 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.