₹25,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 3 Years
If you had started a ₹25,000/month SIP on 7 Aug 2023 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 37 installments.
You invested
₹9,25,000
37 installments
Value today
₹10,21,732
7 Aug 2026
Absolute gain
+₹96,732
+10.5%
XIRR (annualised)
6.7%
money-weighted
The journey, month by month
Worst fall on the way
-10.9%
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
₹10,27,644
Modelled at historical FD rates. The fund trailed FD by ₹5,912.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2024) | ₹3,25,000 | ₹3,96,711 | +22.1% |
| Year 2 (7 Aug 2025) | ₹6,25,000 | ₹6,69,727 | +7.2% |
| Year 3 (7 Aug 2026) | ₹8,75,000 | ₹9,69,725 | +10.8% |
Best year of the journey: Year 1 (+22.1% market move) · Toughest year: Year 2 (-3.9%)
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 Aug 2023 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.