₹5,000 Monthly SIP in Sundaram Value Fund Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) for 5 Years
If you had started a ₹5,000/month SIP on 29 Sept 2021 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 61 installments.
You invested
₹3,05,000
61 installments
Value today
₹3,01,378
29 Sept 2026
Absolute gain
₹-3,622
-1.2%
XIRR (annualised)
-0.46%
money-weighted
The journey, month by month
Worst fall on the way
-18.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,59,091
Modelled at historical FD rates. The fund trailed FD by ₹57,713.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2022) | ₹65,000 | ₹61,265 | -5.7% |
| Year 2 (29 Sept 2023) | ₹1,25,000 | ₹1,31,719 | +5.4% |
| Year 3 (30 Sept 2024) | ₹1,85,000 | ₹2,37,016 | +28.1% |
| Year 4 (30 Sept 2025) | ₹2,45,000 | ₹2,84,463 | +16.1% |
| Year 5 (29 Sept 2026) | ₹2,95,000 | ₹2,91,818 | -1.1% |
Best year of the journey: Year 3 (+23.6% market move) · Toughest year: Year 5 (-12.8%)
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 29 Sept 2021 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.