₹5,000 Monthly SIP in Sundaram Value Fund Regular Plan for 15 Years
If you had started a ₹5,000/month SIP on 22 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Value Fund Regular Plan's actual NAV for all 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹21,62,262
22 Sept 2026
Absolute gain
+₹12,57,262
+138.9%
XIRR (annualised)
10.78%
money-weighted
The journey, month by month
Worst fall on the way
-38.8%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
10
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,82,363
Modelled at historical FD rates. The fund beat FD by ₹4,79,899.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Sept 2012) | ₹65,000 | ₹72,815 | +12% |
| Year 2 (23 Sept 2013) | ₹1,25,000 | ₹1,29,738 | +3.8% |
| Year 3 (22 Sept 2014) | ₹1,85,000 | ₹2,73,715 | +48% |
| Year 4 (22 Sept 2015) | ₹2,45,000 | ₹3,49,304 | +42.6% |
| Year 5 (22 Sept 2016) | ₹3,05,000 | ₹4,90,946 | +61% |
| Year 6 (22 Sept 2017) | ₹3,65,000 | ₹6,40,546 | +75.5% |
| Year 7 (24 Sept 2018) | ₹4,25,000 | ₹6,82,267 | +60.5% |
| Year 8 (23 Sept 2019) | ₹4,85,000 | ₹7,62,831 | +57.3% |
| Year 9 (22 Sept 2020) | ₹5,45,000 | ₹7,62,215 | +39.9% |
| Year 10 (22 Sept 2021) | ₹6,05,000 | ₹12,94,671 | +114% |
| Year 11 (22 Sept 2022) | ₹6,65,000 | ₹14,31,669 | +115.3% |
| Year 12 (22 Sept 2023) | ₹7,25,000 | ₹16,60,328 | +129% |
| Year 13 (23 Sept 2024) | ₹7,85,000 | ₹22,61,700 | +188.1% |
| Year 14 (22 Sept 2025) | ₹8,45,000 | ₹22,66,824 | +168.3% |
| Year 15 (22 Sept 2026) | ₹9,05,000 | ₹21,62,262 | +138.9% |
Best year of the journey: Year 10 (+57.5% market move) · Toughest year: Year 9 (-7.4%)
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 22 Sept 2011 and 22 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.