₹10,000 Monthly SIP in Sundaram Value Fund Regular Plan for 20 Years
If you had started a ₹10,000/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's actual NAV for all 240 installments.
You invested
₹24,00,000
240 installments
Value today
₹77,44,603
30 Sept 2026
Absolute gain
+₹53,44,603
+222.7%
XIRR (annualised)
10.57%
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
₹56,90,169
Modelled at historical FD rates. The fund beat FD by ₹20,54,434.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (1 Oct 2007) | ₹1,30,000 | ₹1,65,425 | +27.2% |
| Year 2 (30 Sept 2008) | ₹2,40,000 | ₹2,23,282 | -7% |
| Year 3 (30 Sept 2009) | ₹3,60,000 | ₹4,97,829 | +38.3% |
| Year 4 (30 Sept 2010) | ₹4,80,000 | ₹7,22,444 | +50.5% |
| Year 5 (30 Sept 2011) | ₹6,00,000 | ₹6,85,024 | +14.2% |
| Year 6 (1 Oct 2012) | ₹7,30,000 | ₹9,65,130 | +32.2% |
| Year 7 (30 Sept 2013) | ₹8,40,000 | ₹10,10,529 | +20.3% |
| Year 8 (30 Sept 2014) | ₹9,60,000 | ₹16,76,413 | +74.6% |
| Year 9 (30 Sept 2015) | ₹10,80,000 | ₹19,48,343 | +80.4% |
| Year 10 (30 Sept 2016) | ₹12,00,000 | ₹24,28,147 | +102.3% |
| Year 11 (3 Oct 2017) | ₹13,30,000 | ₹30,12,864 | +126.5% |
| Year 12 (1 Oct 2018) | ₹14,50,000 | ₹30,28,629 | +108.9% |
| Year 13 (30 Sept 2019) | ₹15,60,000 | ₹32,38,144 | +107.6% |
| Year 14 (30 Sept 2020) | ₹16,80,000 | ₹31,74,490 | +89% |
| Year 15 (30 Sept 2021) | ₹18,00,000 | ₹51,49,166 | +186.1% |
| Year 16 (30 Sept 2022) | ₹19,20,000 | ₹53,86,258 | +180.5% |
| Year 17 (3 Oct 2023) | ₹20,50,000 | ₹63,48,857 | +209.7% |
| Year 18 (30 Sept 2024) | ₹21,60,000 | ₹84,38,562 | +290.7% |
| Year 19 (30 Sept 2025) | ₹22,80,000 | ₹82,23,543 | +260.7% |
| Year 20 (30 Sept 2026) | ₹24,00,000 | ₹77,44,603 | +222.7% |
Best year of the journey: Year 15 (+56.3% market move) · Toughest year: Year 2 (-18.9%)
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's published NAV (source: AMFI) between 3 Oct 2006 and 30 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.