₹2,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹2,000/month SIP on 3 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
₹4,82,000
241 installments
Value today
₹5,46,844
1 Oct 2026
Absolute gain
+₹64,844
+13.5%
XIRR (annualised)
1.24%
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
₹11,40,234
Modelled at historical FD rates. The fund trailed FD by ₹5,93,390.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹26,000 | ₹29,799 | +14.6% |
| Year 2 (1 Oct 2008) | ₹50,000 | ₹37,600 | -24.8% |
| Year 3 (1 Oct 2009) | ₹74,000 | ₹82,528 | +11.5% |
| Year 4 (1 Oct 2010) | ₹98,000 | ₹1,03,054 | +5.2% |
| Year 5 (3 Oct 2011) | ₹1,22,000 | ₹91,672 | -24.9% |
| Year 6 (1 Oct 2012) | ₹1,46,000 | ₹1,37,643 | -5.7% |
| Year 7 (1 Oct 2013) | ₹1,70,000 | ₹1,52,536 | -10.3% |
| Year 8 (1 Oct 2014) | ₹1,94,000 | ₹2,40,214 | +23.8% |
| Year 9 (1 Oct 2015) | ₹2,18,000 | ₹2,51,514 | +15.4% |
| Year 10 (3 Oct 2016) | ₹2,42,000 | ₹2,83,768 | +17.3% |
| Year 11 (3 Oct 2017) | ₹2,66,000 | ₹3,08,810 | +16.1% |
| Year 12 (1 Oct 2018) | ₹2,90,000 | ₹2,78,436 | -4% |
| Year 13 (1 Oct 2019) | ₹3,14,000 | ₹2,79,985 | -10.8% |
| Year 14 (1 Oct 2020) | ₹3,38,000 | ₹2,87,333 | -15% |
| Year 15 (1 Oct 2021) | ₹3,62,000 | ₹4,30,205 | +18.8% |
| Year 16 (3 Oct 2022) | ₹3,86,000 | ₹4,11,490 | +6.6% |
| Year 17 (3 Oct 2023) | ₹4,10,000 | ₹4,74,637 | +15.8% |
| Year 18 (1 Oct 2024) | ₹4,34,000 | ₹6,30,346 | +45.2% |
| Year 19 (1 Oct 2025) | ₹4,58,000 | ₹6,19,693 | +35.3% |
| Year 20 (1 Oct 2026) | ₹4,78,000 | ₹5,43,066 | +13.6% |
Best year of the journey: Year 15 (+38.2% market move) · Toughest year: Year 2 (-30.1%)
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 3 Oct 2006 and 1 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.