₹2,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 5 Years
If you had started a ₹2,000/month SIP on 18 Aug 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
₹1,22,000
61 installments
Value today
₹1,60,852
18 Aug 2026
Absolute gain
+₹38,852
+31.8%
XIRR (annualised)
10.99%
money-weighted
The journey, month by month
Worst fall on the way
-13.6%
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
₹1,43,201
Modelled at historical FD rates. The fund beat FD by ₹17,651.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Aug 2022) | ₹26,000 | ₹27,214 | +4.7% |
| Year 2 (18 Aug 2023) | ₹50,000 | ₹56,893 | +13.8% |
| Year 3 (19 Aug 2024) | ₹74,000 | ₹1,14,444 | +54.7% |
| Year 4 (18 Aug 2025) | ₹98,000 | ₹1,31,210 | +33.9% |
| Year 5 (18 Aug 2026) | ₹1,18,000 | ₹1,56,717 | +32.8% |
Best year of the journey: Year 3 (+41.5% market move) · Toughest year: Year 4 (-5.2%)
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 18 Aug 2021 and 18 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.