₹5,000 Monthly SIP in Sundaram Value Fund Regular Plan for 20 Years
If you had started a ₹5,000/month SIP on 11 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
₹12,05,000
241 installments
Value today
₹40,12,076
11 Sept 2026
Absolute gain
+₹28,07,076
+233%
XIRR (annualised)
10.83%
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
₹28,55,361
Modelled at historical FD rates. The fund beat FD by ₹11,56,715.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2007) | ₹65,000 | ₹75,638 | +16.4% |
| Year 2 (11 Sept 2008) | ₹1,25,000 | ₹1,27,586 | +2.1% |
| Year 3 (11 Sept 2009) | ₹1,85,000 | ₹2,43,642 | +31.7% |
| Year 4 (13 Sept 2010) | ₹2,45,000 | ₹3,62,134 | +47.8% |
| Year 5 (12 Sept 2011) | ₹3,05,000 | ₹3,52,486 | +15.6% |
| Year 6 (11 Sept 2012) | ₹3,65,000 | ₹4,54,415 | +24.5% |
| Year 7 (11 Sept 2013) | ₹4,25,000 | ₹5,23,555 | +23.2% |
| Year 8 (11 Sept 2014) | ₹4,85,000 | ₹8,73,733 | +80.2% |
| Year 9 (11 Sept 2015) | ₹5,45,000 | ₹9,79,630 | +79.7% |
| Year 10 (12 Sept 2016) | ₹6,05,000 | ₹12,25,141 | +102.5% |
| Year 11 (11 Sept 2017) | ₹6,65,000 | ₹15,50,540 | +133.2% |
| Year 12 (11 Sept 2018) | ₹7,25,000 | ₹16,45,110 | +126.9% |
| Year 13 (11 Sept 2019) | ₹7,85,000 | ₹15,52,922 | +97.8% |
| Year 14 (11 Sept 2020) | ₹8,45,000 | ₹16,13,771 | +91% |
| Year 15 (13 Sept 2021) | ₹9,05,000 | ₹26,08,407 | +188.2% |
| Year 16 (12 Sept 2022) | ₹9,65,000 | ₹28,60,561 | +196.4% |
| Year 17 (11 Sept 2023) | ₹10,25,000 | ₹32,86,927 | +220.7% |
| Year 18 (11 Sept 2024) | ₹10,85,000 | ₹41,67,174 | +284.1% |
| Year 19 (11 Sept 2025) | ₹11,45,000 | ₹42,38,971 | +270.2% |
| Year 20 (11 Sept 2026) | ₹12,05,000 | ₹40,12,076 | +233% |
Best year of the journey: Year 15 (+55.8% market move) · Toughest year: Year 5 (-16.5%)
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 11 Sept 2006 and 11 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.