₹5,000 Monthly SIP in JM Large Cap Fund (Direct) - Annual IDCW for 3 Years
If you had started a ₹5,000/month SIP on 9 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Direct) - Annual IDCW's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹1,87,346
7 Oct 2026
Absolute gain
+₹2,346
+1.3%
XIRR (annualised)
0.84%
money-weighted
The journey, month by month
Worst fall on the way
-10.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,05,528
Modelled at historical FD rates. The fund trailed FD by ₹18,182.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹65,000 | ₹73,866 | +13.6% |
| Year 2 (7 Oct 2025) | ₹1,25,000 | ₹1,34,669 | +7.7% |
| Year 3 (7 Oct 2026) | ₹1,75,000 | ₹1,77,625 | +1.5% |
Best year of the journey: Year 1 (+13.6% market move) · Toughest year: Year 3 (-3.8%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
Past performance does not guarantee future returns. This page shows the historical result of the stated SIP using JM Large Cap Fund (Direct) - Annual IDCW's published NAV (source: AMFI) between 9 Oct 2023 and 7 Oct 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.