₹25,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 5 Years
If you had started a ₹25,000/month SIP on 9 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
₹15,25,000
61 installments
Value today
₹20,24,101
7 Aug 2026
Absolute gain
+₹4,99,101
+32.7%
XIRR (annualised)
11.38%
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
₹17,86,623
Modelled at historical FD rates. The fund beat FD by ₹2,37,478.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Aug 2022) | ₹3,25,000 | ₹3,31,513 | +2% |
| Year 2 (7 Aug 2023) | ₹6,25,000 | ₹7,19,677 | +15.1% |
| Year 3 (7 Aug 2024) | ₹9,25,000 | ₹14,04,164 | +51.8% |
| Year 4 (7 Aug 2025) | ₹12,25,000 | ₹16,12,738 | +31.7% |
| Year 5 (7 Aug 2026) | ₹14,75,000 | ₹19,72,094 | +33.7% |
Best year of the journey: Year 3 (+37.7% market move) · Toughest year: Year 4 (-5.4%)
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 9 Aug 2021 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.