₹25,000 Monthly SIP in Sundaram Value Fund Regular Plan for 20 Years
If you had started a ₹25,000/month SIP on 25 Sept 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
₹60,25,000
241 installments
Value today
₹1,99,73,200
25 Sept 2026
Absolute gain
+₹1,39,48,200
+231.5%
XIRR (annualised)
10.76%
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
₹1,43,17,172
Modelled at historical FD rates. The fund beat FD by ₹56,56,028.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (25 Sept 2007) | ₹3,25,000 | ₹4,10,588 | +26.3% |
| Year 2 (25 Sept 2008) | ₹6,25,000 | ₹6,01,808 | -3.7% |
| Year 3 (25 Sept 2009) | ₹9,25,000 | ₹12,65,431 | +36.8% |
| Year 4 (27 Sept 2010) | ₹12,25,000 | ₹18,68,751 | +52.6% |
| Year 5 (26 Sept 2011) | ₹15,25,000 | ₹17,27,668 | +13.3% |
| Year 6 (25 Sept 2012) | ₹18,25,000 | ₹23,78,987 | +30.4% |
| Year 7 (25 Sept 2013) | ₹21,25,000 | ₹26,17,599 | +23.2% |
| Year 8 (25 Sept 2014) | ₹24,25,000 | ₹41,84,655 | +72.6% |
| Year 9 (28 Sept 2015) | ₹27,25,000 | ₹48,86,555 | +79.3% |
| Year 10 (26 Sept 2016) | ₹30,25,000 | ₹62,16,223 | +105.5% |
| Year 11 (25 Sept 2017) | ₹33,25,000 | ₹75,83,279 | +128.1% |
| Year 12 (25 Sept 2018) | ₹36,25,000 | ₹77,98,375 | +115.1% |
| Year 13 (25 Sept 2019) | ₹39,25,000 | ₹81,47,572 | +107.6% |
| Year 14 (25 Sept 2020) | ₹42,25,000 | ₹78,72,908 | +86.3% |
| Year 15 (27 Sept 2021) | ₹45,25,000 | ₹1,32,13,622 | +192% |
| Year 16 (26 Sept 2022) | ₹48,25,000 | ₹1,35,33,165 | +180.5% |
| Year 17 (25 Sept 2023) | ₹51,25,000 | ₹1,60,63,654 | +213.4% |
| Year 18 (25 Sept 2024) | ₹54,25,000 | ₹2,15,19,062 | +296.7% |
| Year 19 (25 Sept 2025) | ₹57,25,000 | ₹2,10,10,163 | +267% |
| Year 20 (25 Sept 2026) | ₹60,25,000 | ₹1,99,73,200 | +231.5% |
Best year of the journey: Year 15 (+61.7% market move) · Toughest year: Year 5 (-20.3%)
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 25 Sept 2006 and 25 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.