₹2,000 Monthly SIP in BANK OF INDIA Large & Mid Cap Fund Direct Plan for 10 Years
If you had started a ₹2,000/month SIP on 12 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using BANK OF INDIA Large & Mid Cap Fund Direct Plan's actual NAV for all 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹5,18,494
11 Sept 2026
Absolute gain
+₹2,76,494
+114.3%
XIRR (annualised)
14.59%
money-weighted
The journey, month by month
Worst fall on the way
-34%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹3,36,325
Modelled at historical FD rates. The fund beat FD by ₹1,82,169.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2017) | ₹26,000 | ₹30,226 | +16.3% |
| Year 2 (11 Sept 2018) | ₹50,000 | ₹54,741 | +9.5% |
| Year 3 (11 Sept 2019) | ₹74,000 | ₹73,505 | -0.7% |
| Year 4 (11 Sept 2020) | ₹98,000 | ₹1,04,693 | +6.8% |
| Year 5 (13 Sept 2021) | ₹1,22,000 | ₹2,00,498 | +64.3% |
| Year 6 (12 Sept 2022) | ₹1,46,000 | ₹2,37,985 | +63% |
| Year 7 (11 Sept 2023) | ₹1,70,000 | ₹3,01,956 | +77.6% |
| Year 8 (11 Sept 2024) | ₹1,94,000 | ₹4,48,084 | +131% |
| Year 9 (11 Sept 2025) | ₹2,18,000 | ₹4,56,703 | +109.5% |
| Year 10 (11 Sept 2026) | ₹2,42,000 | ₹5,18,494 | +114.3% |
Best year of the journey: Year 5 (+55.8% market move) · Toughest year: Year 3 (-6.6%)
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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Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using BANK OF INDIA Large & Mid Cap Fund Direct Plan's published NAV (source: AMFI) between 12 Sept 2016 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.