₹10,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 10 Years
If you had started a ₹10,000/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
₹12,10,000
121 installments
Value today
₹23,77,366
7 Aug 2026
Absolute gain
+₹11,67,366
+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
₹16,81,166
Modelled at historical FD rates. The fund beat FD by ₹6,96,200.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2017) | ₹1,30,000 | ₹1,43,573 | +10.4% |
| Year 2 (7 Aug 2018) | ₹2,50,000 | ₹2,77,132 | +10.9% |
| Year 3 (7 Aug 2019) | ₹3,70,000 | ₹3,92,691 | +6.1% |
| Year 4 (7 Aug 2020) | ₹4,90,000 | ₹5,53,496 | +13% |
| Year 5 (9 Aug 2021) | ₹6,10,000 | ₹8,73,591 | +43.2% |
| Year 6 (8 Aug 2022) | ₹7,30,000 | ₹10,60,070 | +45.2% |
| Year 7 (7 Aug 2023) | ₹8,50,000 | ₹13,74,359 | +61.7% |
| Year 8 (7 Aug 2024) | ₹9,70,000 | ₹21,37,341 | +120.3% |
| Year 9 (7 Aug 2025) | ₹10,90,000 | ₹21,19,984 | +94.5% |
| Year 10 (7 Aug 2026) | ₹11,90,000 | ₹23,56,563 | +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.