₹5,000 Monthly SIP in Sundaram Value Fund Direct Plan for 10 Years
If you had started a ₹5,000/month SIP on 3 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Value Fund Direct Plan's actual NAV for all 121 installments.
You invested
₹6,05,000
121 installments
Value today
₹9,75,369
1 Oct 2026
Absolute gain
+₹3,70,369
+61.2%
XIRR (annualised)
9.3%
money-weighted
The journey, month by month
Worst fall on the way
-37.7%
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
₹8,38,830
Modelled at historical FD rates. The fund beat FD by ₹1,36,539.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹65,000 | ₹71,523 | +10% |
| Year 2 (1 Oct 2018) | ₹1,25,000 | ₹1,25,529 | +0.4% |
| Year 3 (1 Oct 2019) | ₹1,85,000 | ₹1,88,740 | +2% |
| Year 4 (1 Oct 2020) | ₹2,45,000 | ₹2,45,413 | +0.2% |
| Year 5 (1 Oct 2021) | ₹3,05,000 | ₹4,56,929 | +49.8% |
| Year 6 (3 Oct 2022) | ₹3,65,000 | ₹5,26,130 | +44.1% |
| Year 7 (3 Oct 2023) | ₹4,25,000 | ₹6,81,919 | +60.5% |
| Year 8 (1 Oct 2024) | ₹4,85,000 | ₹9,66,752 | +99.3% |
| Year 9 (1 Oct 2025) | ₹5,45,000 | ₹10,00,366 | +83.6% |
| Year 10 (1 Oct 2026) | ₹6,05,000 | ₹9,75,369 | +61.2% |
Best year of the journey: Year 5 (+49.6% market move) · Toughest year: Year 10 (-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's published NAV (source: AMFI) between 3 Oct 2016 and 1 Oct 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.