What would a ₹1,000 monthly SIP in Sundaram Value Fund Direct Plan be worth after 3 years?

Based on real NAV history from 3 Oct 2023 to 30 Sept 2026, a ₹1,000/month SIP (36 installments, ₹36,000 invested) would be worth ₹35,370 — an XIRR of -1.15%.

How does this compare to a fixed deposit?

The same SIP into a fixed deposit (at historical FD rates) would be worth approximately ₹40,070. The fund trailed FD by ₹4,700.

How risky was this journey?

The portfolio fell up to 12.1% from its peak at the worst point, and survived 1 corrections of 10% or more. Staying invested through those falls is what produced the final return.

Computed from real daily NAV — not projections

₹1,000 Monthly SIP in Sundaram Value Fund Direct Plan for 3 Years

If you had started a ₹1,000/month SIP on 3 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Value Fund Direct Plan's actual NAV for all 36 installments.

You invested

₹36,000

36 installments

Value today

₹35,370

30 Sept 2026

Absolute gain

₹-630

-1.7%

XIRR (annualised)

-1.15%

money-weighted

The journey, month by month

Portfolio value Amount invested

Worst fall on the way

-12.1%

Deepest drop from peak. This is what you had to sit through.

Corrections survived

Falls of 10%+ during the period. Every one recovered.

Same SIP in a fixed deposit

₹40,070

Modelled at historical FD rates. The fund trailed FD by ₹4,700.

Year-by-year progress

Year	Invested	Value	Overall gain
Year 1 (30 Sept 2024)	₹12,000	₹14,050	+17.1%
Year 2 (30 Sept 2025)	₹24,000	₹25,853	+7.7%
Year 3 (30 Sept 2026)	₹36,000	₹35,370	-1.7%

Best year of the journey: Year 1 (+17.1% market move) · Toughest year: Year 3 (-6.6%)

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's published NAV (source: AMFI) between 3 Oct 2023 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.