₹2,000 Monthly SIP in BANK OF INDIA Large & Mid Cap Fund Direct Plan for 5 Years
If you had started a ₹2,000/month SIP on 5 Jul 2021 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 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,71,747
3 Jul 2026
Absolute gain
+₹49,747
+40.8%
XIRR (annualised)
13.83%
money-weighted
The journey, month by month
Worst fall on the way
-16.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,42,704
Modelled at historical FD rates. The fund beat FD by ₹29,043.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹26,000 | ₹23,882 | -8.1% |
| Year 2 (3 Jul 2023) | ₹50,000 | ₹56,031 | +12.1% |
| Year 3 (3 Jul 2024) | ₹74,000 | ₹1,13,357 | +53.2% |
| Year 4 (3 Jul 2025) | ₹98,000 | ₹1,37,998 | +40.8% |
| Year 5 (3 Jul 2026) | ₹1,22,000 | ₹1,71,747 | +40.8% |
Best year of the journey: Year 3 (+41.6% market move) · Toughest year: Year 1 (-8.1%)
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 5 Jul 2021 and 3 Jul 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.