₹10,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 15 Years
If you had started a ₹10,000/month SIP on 12 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
₹18,10,000
181 installments
Value today
₹20,99,943
11 Sept 2026
Absolute gain
+₹2,89,943
+16%
XIRR (annualised)
1.95%
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
₹33,57,403
Modelled at historical FD rates. The fund trailed FD by ₹12,57,460.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2012) | ₹1,30,000 | ₹1,39,403 | +7.2% |
| Year 2 (11 Sept 2013) | ₹2,50,000 | ₹2,58,490 | +3.4% |
| Year 3 (11 Sept 2014) | ₹3,70,000 | ₹5,28,695 | +42.9% |
| Year 4 (11 Sept 2015) | ₹4,90,000 | ₹5,98,715 | +22.2% |
| Year 5 (12 Sept 2016) | ₹6,10,000 | ₹7,35,434 | +20.6% |
| Year 6 (11 Sept 2017) | ₹7,30,000 | ₹8,96,409 | +22.8% |
| Year 7 (11 Sept 2018) | ₹8,50,000 | ₹9,07,875 | +6.8% |
| Year 8 (11 Sept 2019) | ₹9,70,000 | ₹8,28,039 | -14.6% |
| Year 9 (11 Sept 2020) | ₹10,90,000 | ₹9,29,090 | -14.8% |
| Year 10 (13 Sept 2021) | ₹12,10,000 | ₹14,93,597 | +23.4% |
| Year 11 (12 Sept 2022) | ₹13,30,000 | ₹15,53,753 | +16.8% |
| Year 12 (11 Sept 2023) | ₹14,50,000 | ₹17,36,355 | +19.7% |
| Year 13 (11 Sept 2024) | ₹15,70,000 | ₹22,36,696 | +42.5% |
| Year 14 (11 Sept 2025) | ₹16,90,000 | ₹22,99,417 | +36.1% |
| Year 15 (11 Sept 2026) | ₹17,90,000 | ₹20,80,414 | +16.2% |
Best year of the journey: Year 10 (+42.4% market move) · Toughest year: Year 8 (-19.4%)
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 2011 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.