₹5,000 Monthly SIP in JM Large Cap Fund (Direct) - Half Yearly IDCW for 10 Years
If you had started a ₹5,000/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
₹6,05,000
121 installments
Value today
₹11,88,683
7 Aug 2026
Absolute gain
+₹5,83,683
+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
₹8,40,583
Modelled at historical FD rates. The fund beat FD by ₹3,48,100.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Aug 2017) | ₹65,000 | ₹71,786 | +10.4% |
| Year 2 (7 Aug 2018) | ₹1,25,000 | ₹1,38,566 | +10.9% |
| Year 3 (7 Aug 2019) | ₹1,85,000 | ₹1,96,346 | +6.1% |
| Year 4 (7 Aug 2020) | ₹2,45,000 | ₹2,76,748 | +13% |
| Year 5 (9 Aug 2021) | ₹3,05,000 | ₹4,36,796 | +43.2% |
| Year 6 (8 Aug 2022) | ₹3,65,000 | ₹5,30,035 | +45.2% |
| Year 7 (7 Aug 2023) | ₹4,25,000 | ₹6,87,180 | +61.7% |
| Year 8 (7 Aug 2024) | ₹4,85,000 | ₹10,68,671 | +120.3% |
| Year 9 (7 Aug 2025) | ₹5,45,000 | ₹10,59,992 | +94.5% |
| Year 10 (7 Aug 2026) | ₹5,95,000 | ₹11,78,282 | +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.
Try a different amount
Try a different duration
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.