₹1,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹1,000/month SIP on 8 Sept 2006 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 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹2,86,042
8 Sept 2026
Absolute gain
+₹45,042
+18.7%
XIRR (annualised)
1.68%
money-weighted
The journey, month by month
Worst fall on the way
-100%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
16
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,70,711
Modelled at historical FD rates. The fund trailed FD by ₹2,84,669.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Sept 2007) | ₹13,000 | ₹13,310 | +2.4% |
| Year 2 (8 Sept 2008) | ₹25,000 | ₹20,454 | -18.2% |
| Year 3 (8 Sept 2009) | ₹37,000 | ₹41,870 | +13.2% |
| Year 4 (8 Sept 2010) | ₹49,000 | ₹48,447 | -1.1% |
| Year 5 (8 Sept 2011) | ₹61,000 | ₹47,548 | -22.1% |
| Year 6 (10 Sept 2012) | ₹73,000 | ₹63,732 | -12.7% |
| Year 7 (10 Sept 2013) | ₹85,000 | ₹76,761 | -9.7% |
| Year 8 (8 Sept 2014) | ₹97,000 | ₹1,27,432 | +31.4% |
| Year 9 (8 Sept 2015) | ₹1,09,000 | ₹1,26,594 | +16.1% |
| Year 10 (8 Sept 2016) | ₹1,21,000 | ₹1,48,121 | +22.4% |
| Year 11 (8 Sept 2017) | ₹1,33,000 | ₹1,61,029 | +21.1% |
| Year 12 (10 Sept 2018) | ₹1,45,000 | ₹1,57,603 | +8.7% |
| Year 13 (9 Sept 2019) | ₹1,57,000 | ₹1,33,640 | -14.9% |
| Year 14 (8 Sept 2020) | ₹1,69,000 | ₹1,40,861 | -16.7% |
| Year 15 (8 Sept 2021) | ₹1,81,000 | ₹2,21,633 | +22.4% |
| Year 16 (8 Sept 2022) | ₹1,93,000 | ₹2,22,595 | +15.3% |
| Year 17 (8 Sept 2023) | ₹2,05,000 | ₹2,43,081 | +18.6% |
| Year 18 (9 Sept 2024) | ₹2,17,000 | ₹3,09,127 | +42.5% |
| Year 19 (8 Sept 2025) | ₹2,29,000 | ₹3,11,342 | +36% |
| Year 20 (8 Sept 2026) | ₹2,39,000 | ₹2,84,066 | +18.9% |
Best year of the journey: Year 15 (+45% market move) · Toughest year: Year 5 (-21.3%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 8 Sept 2006 and 8 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.