₹10,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹10,000/month SIP on 5 Oct 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
₹24,10,000
241 installments
Value today
₹27,45,462
5 Oct 2026
Absolute gain
+₹3,35,462
+13.9%
XIRR (annualised)
1.28%
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
₹57,05,788
Modelled at historical FD rates. The fund trailed FD by ₹29,60,326.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2007) | ₹1,30,000 | ₹1,50,426 | +15.7% |
| Year 2 (6 Oct 2008) | ₹2,50,000 | ₹1,79,077 | -28.4% |
| Year 3 (5 Oct 2009) | ₹3,70,000 | ₹4,04,640 | +9.4% |
| Year 4 (5 Oct 2010) | ₹4,90,000 | ₹5,18,527 | +5.8% |
| Year 5 (5 Oct 2011) | ₹6,10,000 | ₹4,49,346 | -26.3% |
| Year 6 (5 Oct 2012) | ₹7,30,000 | ₹6,88,740 | -5.7% |
| Year 7 (7 Oct 2013) | ₹8,50,000 | ₹7,80,347 | -8.2% |
| Year 8 (7 Oct 2014) | ₹9,70,000 | ₹11,86,156 | +22.3% |
| Year 9 (5 Oct 2015) | ₹10,90,000 | ₹12,82,513 | +17.7% |
| Year 10 (5 Oct 2016) | ₹12,10,000 | ₹14,24,209 | +17.7% |
| Year 11 (5 Oct 2017) | ₹13,30,000 | ₹15,51,509 | +16.7% |
| Year 12 (5 Oct 2018) | ₹14,50,000 | ₹13,24,532 | -8.7% |
| Year 13 (7 Oct 2019) | ₹15,70,000 | ₹13,75,986 | -12.4% |
| Year 14 (5 Oct 2020) | ₹16,90,000 | ₹14,38,224 | -14.9% |
| Year 15 (5 Oct 2021) | ₹18,10,000 | ₹21,93,687 | +21.2% |
| Year 16 (6 Oct 2022) | ₹19,30,000 | ₹21,16,915 | +9.7% |
| Year 17 (5 Oct 2023) | ₹20,50,000 | ₹23,64,714 | +15.4% |
| Year 18 (7 Oct 2024) | ₹21,70,000 | ₹30,23,840 | +39.3% |
| Year 19 (6 Oct 2025) | ₹22,90,000 | ₹31,23,980 | +36.4% |
| Year 20 (5 Oct 2026) | ₹23,90,000 | ₹27,26,494 | +14.1% |
Best year of the journey: Year 15 (+40.8% market move) · Toughest year: Year 2 (-33.8%)
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 Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 5 Oct 2006 and 5 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.