₹1,000 Monthly SIP in JM Large Cap Fund (Direct) - Monthly IDCW for 5 Years
If you had started a ₹1,000/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) - Monthly IDCW's actual NAV for all 61 installments.
You invested
₹61,000
61 installments
Value today
₹74,261
7 Oct 2026
Absolute gain
+₹13,261
+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
₹71,617
Modelled at historical FD rates. The fund beat FD by ₹2,644.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2022) | ₹13,000 | ₹13,310 | +2.4% |
| Year 2 (9 Oct 2023) | ₹25,000 | ₹28,848 | +15.4% |
| Year 3 (7 Oct 2024) | ₹37,000 | ₹53,923 | +45.7% |
| Year 4 (7 Oct 2025) | ₹49,000 | ₹65,210 | +33.1% |
| Year 5 (7 Oct 2026) | ₹59,000 | ₹72,317 | +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) - Monthly 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.