₹1,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 10 Years
If you had started a ₹1,000/month SIP on 8 Aug 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Direct) - Half Yearly IDCW's actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,37,737
7 Aug 2026
Absolute gain
+₹1,16,737
+96.5%
XIRR (annualised)
13%
money-weighted
The journey, month by month
Worst fall on the way
-17.9%
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
₹1,68,117
Modelled at historical FD rates. The fund beat FD by ₹69,620.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2017) | ₹13,000 | ₹14,357 | +10.4% |
| Year 2 (7 Aug 2018) | ₹25,000 | ₹27,713 | +10.9% |
| Year 3 (7 Aug 2019) | ₹37,000 | ₹39,269 | +6.1% |
| Year 4 (7 Aug 2020) | ₹49,000 | ₹55,350 | +13% |
| Year 5 (9 Aug 2021) | ₹61,000 | ₹87,359 | +43.2% |
| Year 6 (8 Aug 2022) | ₹73,000 | ₹1,06,007 | +45.2% |
| Year 7 (7 Aug 2023) | ₹85,000 | ₹1,37,436 | +61.7% |
| Year 8 (7 Aug 2024) | ₹97,000 | ₹2,13,734 | +120.3% |
| Year 9 (7 Aug 2025) | ₹1,09,000 | ₹2,11,998 | +94.5% |
| Year 10 (7 Aug 2026) | ₹1,19,000 | ₹2,35,656 | +98% |
Best year of the journey: Year 8 (+43% market move) · Toughest year: Year 9 (-6.1%)
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 JM Large Cap Fund (Direct) - Half Yearly IDCW's published NAV (source: AMFI) between 8 Aug 2016 and 7 Aug 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.