₹1,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 12 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,34,457
11 Sept 2026
Absolute gain
+₹13,457
+11.1%
XIRR (annualised)
2.08%
money-weighted
The journey, month by month
Worst fall on the way
-37.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
8
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,147
Modelled at historical FD rates. The fund trailed FD by ₹33,690.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹13,000 | ₹13,808 | +6.2% |
| Year 2 (11 Sept 2018) | ₹25,000 | ₹23,555 | -5.8% |
| Year 3 (11 Sept 2019) | ₹37,000 | ₹29,650 | -19.9% |
| Year 4 (11 Sept 2020) | ₹49,000 | ₹41,237 | -15.8% |
| Year 5 (13 Sept 2021) | ₹61,000 | ₹74,301 | +21.8% |
| Year 6 (12 Sept 2022) | ₹73,000 | ₹83,528 | +14.4% |
| Year 7 (11 Sept 2023) | ₹85,000 | ₹99,432 | +17% |
| Year 8 (11 Sept 2024) | ₹97,000 | ₹1,33,857 | +38% |
| Year 9 (11 Sept 2025) | ₹1,09,000 | ₹1,42,571 | +30.8% |
| Year 10 (11 Sept 2026) | ₹1,19,000 | ₹1,32,504 | +11.3% |
Best year of the journey: Year 5 (+39.6% market move) · Toughest year: Year 3 (-16.6%)
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 Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 12 Sept 2016 and 11 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.