₹2,000 Monthly SIP in JM Large Cap Fund (Direct) - Monthly IDCW for 10 Years
If you had started a ₹2,000/month SIP on 7 Oct 2016 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 121 installments.
You invested
₹2,42,000
121 installments
Value today
₹4,35,368
7 Oct 2026
Absolute gain
+₹1,93,368
+79.9%
XIRR (annualised)
11.35%
money-weighted
The journey, month by month
Worst fall on the way
-17.8%
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
₹3,35,843
Modelled at historical FD rates. The fund beat FD by ₹99,525.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹26,000 | ₹28,110 | +8.1% |
| Year 2 (8 Oct 2018) | ₹50,000 | ₹52,765 | +5.5% |
| Year 3 (7 Oct 2019) | ₹74,000 | ₹78,381 | +5.9% |
| Year 4 (7 Oct 2020) | ₹98,000 | ₹1,12,300 | +14.6% |
| Year 5 (7 Oct 2021) | ₹1,22,000 | ₹1,85,409 | +52% |
| Year 6 (7 Oct 2022) | ₹1,46,000 | ₹2,10,620 | +44.3% |
| Year 7 (9 Oct 2023) | ₹1,70,000 | ₹2,74,808 | +61.7% |
| Year 8 (7 Oct 2024) | ₹1,94,000 | ₹4,13,074 | +112.9% |
| Year 9 (7 Oct 2025) | ₹2,18,000 | ₹4,28,843 | +96.7% |
| Year 10 (7 Oct 2026) | ₹2,38,000 | ₹4,31,480 | +81.3% |
Best year of the journey: Year 8 (+38.2% market move) · Toughest year: Year 10 (-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) - Monthly IDCW's published NAV (source: AMFI) between 7 Oct 2016 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.