₹1,000 Monthly SIP in Sundaram Value Fund Regular Plan for 20 Years
If you had started a ₹1,000/month SIP on 6 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Value Fund Regular Plan's actual NAV for all 241 installments.
You invested
₹2,41,000
241 installments
Value today
₹7,77,991
6 Oct 2026
Absolute gain
+₹5,36,991
+222.8%
XIRR (annualised)
10.58%
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
₹5,70,709
Modelled at historical FD rates. The fund beat FD by ₹2,07,282.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹13,000 | ₹16,123 | +24% |
| Year 2 (6 Oct 2008) | ₹25,000 | ₹22,366 | -10.5% |
| Year 3 (6 Oct 2009) | ₹37,000 | ₹49,913 | +34.9% |
| Year 4 (6 Oct 2010) | ₹49,000 | ₹75,460 | +54% |
| Year 5 (7 Oct 2011) | ₹61,000 | ₹68,385 | +12.1% |
| Year 6 (8 Oct 2012) | ₹73,000 | ₹95,431 | +30.7% |
| Year 7 (7 Oct 2013) | ₹85,000 | ₹1,04,697 | +23.2% |
| Year 8 (7 Oct 2014) | ₹97,000 | ₹1,66,199 | +71.3% |
| Year 9 (6 Oct 2015) | ₹1,09,000 | ₹2,01,137 | +84.5% |
| Year 10 (6 Oct 2016) | ₹1,21,000 | ₹2,49,171 | +105.9% |
| Year 11 (6 Oct 2017) | ₹1,33,000 | ₹3,05,417 | +129.6% |
| Year 12 (8 Oct 2018) | ₹1,45,000 | ₹2,85,568 | +96.9% |
| Year 13 (7 Oct 2019) | ₹1,57,000 | ₹3,15,199 | +100.8% |
| Year 14 (6 Oct 2020) | ₹1,69,000 | ₹3,24,283 | +91.9% |
| Year 15 (6 Oct 2021) | ₹1,81,000 | ₹5,19,464 | +187% |
| Year 16 (6 Oct 2022) | ₹1,93,000 | ₹5,48,763 | +184.3% |
| Year 17 (6 Oct 2023) | ₹2,05,000 | ₹6,36,497 | +210.5% |
| Year 18 (7 Oct 2024) | ₹2,17,000 | ₹8,10,692 | +273.6% |
| Year 19 (6 Oct 2025) | ₹2,29,000 | ₹8,35,095 | +264.7% |
| Year 20 (6 Oct 2026) | ₹2,41,000 | ₹7,77,991 | +222.8% |
Best year of the journey: Year 15 (+54.5% market move) · Toughest year: Year 5 (-21.8%)
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's published NAV (source: AMFI) between 6 Oct 2006 and 6 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.