₹2,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 3 Years
If you had started a ₹2,000/month SIP on 11 Sept 2023 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 37 installments.
You invested
₹74,000
37 installments
Value today
₹68,514
11 Sept 2026
Absolute gain
₹-5,486
-7.4%
XIRR (annualised)
-5.01%
money-weighted
The journey, month by month
Worst fall on the way
-16.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹82,278
Modelled at historical FD rates. The fund trailed FD by ₹13,764.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2024) | ₹26,000 | ₹29,440 | +13.2% |
| Year 2 (11 Sept 2025) | ₹50,000 | ₹53,346 | +6.7% |
| Year 3 (11 Sept 2026) | ₹70,000 | ₹64,608 | -7.7% |
Best year of the journey: Year 1 (+13.2% market move) · Toughest year: Year 3 (-11.9%)
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 11 Sept 2023 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.