₹1,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹1,000/month SIP on 21 Sept 2011 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 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹2,10,378
21 Sept 2026
Absolute gain
+₹29,378
+16.2%
XIRR (annualised)
1.96%
money-weighted
The journey, month by month
Worst fall on the way
-38.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
9
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,392
Modelled at historical FD rates. The fund trailed FD by ₹1,26,014.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2012) | ₹13,000 | ₹14,498 | +11.5% |
| Year 2 (23 Sept 2013) | ₹25,000 | ₹25,910 | +3.6% |
| Year 3 (22 Sept 2014) | ₹37,000 | ₹50,915 | +37.6% |
| Year 4 (21 Sept 2015) | ₹49,000 | ₹58,887 | +20.2% |
| Year 5 (21 Sept 2016) | ₹61,000 | ₹74,190 | +21.6% |
| Year 6 (21 Sept 2017) | ₹73,000 | ₹87,619 | +20% |
| Year 7 (21 Sept 2018) | ₹85,000 | ₹84,156 | -1% |
| Year 8 (23 Sept 2019) | ₹97,000 | ₹88,465 | -8.8% |
| Year 9 (21 Sept 2020) | ₹1,09,000 | ₹92,048 | -15.6% |
| Year 10 (21 Sept 2021) | ₹1,21,000 | ₹1,49,614 | +23.6% |
| Year 11 (21 Sept 2022) | ₹1,33,000 | ₹1,49,590 | +12.5% |
| Year 12 (21 Sept 2023) | ₹1,45,000 | ₹1,68,838 | +16.4% |
| Year 13 (23 Sept 2024) | ₹1,57,000 | ₹2,29,489 | +46.2% |
| Year 14 (22 Sept 2025) | ₹1,69,000 | ₹2,31,108 | +36.8% |
| Year 15 (21 Sept 2026) | ₹1,79,000 | ₹2,08,422 | +16.4% |
Best year of the journey: Year 10 (+43.8% market move) · Toughest year: Year 7 (-15.5%)
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 21 Sept 2011 and 21 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.