₹10,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 5 Years
If you had started a ₹10,000/month SIP on 7 Oct 2021 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 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,42,608
7 Oct 2026
Absolute gain
+₹1,32,608
+21.7%
XIRR (annualised)
7.88%
money-weighted
The journey, month by month
Worst fall on the way
-13.4%
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
₹7,16,165
Modelled at historical FD rates. The fund beat FD by ₹26,443.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹1,30,000 | ₹1,33,100 | +2.4% |
| Year 2 (9 Oct 2023) | ₹2,50,000 | ₹2,88,476 | +15.4% |
| Year 3 (7 Oct 2024) | ₹3,70,000 | ₹5,39,226 | +45.7% |
| Year 4 (7 Oct 2025) | ₹4,90,000 | ₹6,52,101 | +33.1% |
| Year 5 (7 Oct 2026) | ₹5,90,000 | ₹7,23,168 | +22.6% |
Best year of the journey: Year 3 (+32% market move) · Toughest year: Year 5 (-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.
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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 7 Oct 2021 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.