₹25,000 Monthly SIP in Sundaram Value Fund Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 20 Years
If you had started a ₹25,000/month SIP on 18 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
₹60,25,000
241 installments
Value today
₹70,05,418
16 Sept 2026
Absolute gain
+₹9,80,418
+16.3%
XIRR (annualised)
1.48%
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
₹1,42,90,780
Modelled at historical FD rates. The fund trailed FD by ₹72,85,362.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (17 Sept 2007) | ₹3,25,000 | ₹3,32,779 | +2.4% |
| Year 2 (16 Sept 2008) | ₹6,25,000 | ₹4,73,406 | -24.3% |
| Year 3 (16 Sept 2009) | ₹9,25,000 | ₹10,79,807 | +16.7% |
| Year 4 (16 Sept 2010) | ₹12,25,000 | ₹12,31,794 | +0.6% |
| Year 5 (16 Sept 2011) | ₹15,25,000 | ₹11,76,653 | -22.8% |
| Year 6 (17 Sept 2012) | ₹18,25,000 | ₹16,47,653 | -9.7% |
| Year 7 (16 Sept 2013) | ₹21,25,000 | ₹19,04,363 | -10.4% |
| Year 8 (16 Sept 2014) | ₹24,25,000 | ₹31,07,709 | +28.2% |
| Year 9 (16 Sept 2015) | ₹27,25,000 | ₹32,39,975 | +18.9% |
| Year 10 (16 Sept 2016) | ₹30,25,000 | ₹36,15,570 | +19.5% |
| Year 11 (18 Sept 2017) | ₹33,25,000 | ₹39,93,099 | +20.1% |
| Year 12 (17 Sept 2018) | ₹36,25,000 | ₹38,94,068 | +7.4% |
| Year 13 (16 Sept 2019) | ₹39,25,000 | ₹33,70,034 | -14.1% |
| Year 14 (16 Sept 2020) | ₹42,25,000 | ₹36,60,552 | -13.4% |
| Year 15 (16 Sept 2021) | ₹45,25,000 | ₹56,21,747 | +24.2% |
| Year 16 (16 Sept 2022) | ₹48,25,000 | ₹55,25,163 | +14.5% |
| Year 17 (18 Sept 2023) | ₹51,25,000 | ₹61,10,277 | +19.2% |
| Year 18 (16 Sept 2024) | ₹54,25,000 | ₹78,74,099 | +45.1% |
| Year 19 (16 Sept 2025) | ₹57,25,000 | ₹79,27,693 | +38.5% |
| Year 20 (16 Sept 2026) | ₹59,75,000 | ₹69,57,008 | +16.4% |
Best year of the journey: Year 15 (+41.9% market move) · Toughest year: Year 2 (-25.2%)
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 18 Sept 2006 and 16 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.