₹1,000 Monthly SIP in JM Large Cap Fund (Direct) for 10 Years
If you had started a ₹1,000/month SIP on 6 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Direct)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹2,32,172
4 Sept 2026
Absolute gain
+₹1,11,172
+91.9%
XIRR (annualised)
12.57%
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
₹1,67,963
Modelled at historical FD rates. The fund beat FD by ₹64,209.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Sept 2017) | ₹13,000 | ₹14,064 | +8.2% |
| Year 2 (4 Sept 2018) | ₹25,000 | ₹27,652 | +10.6% |
| Year 3 (4 Sept 2019) | ₹37,000 | ₹39,215 | +6% |
| Year 4 (4 Sept 2020) | ₹49,000 | ₹55,520 | +13.3% |
| Year 5 (6 Sept 2021) | ₹61,000 | ₹91,550 | +50.1% |
| Year 6 (5 Sept 2022) | ₹73,000 | ₹1,07,631 | +47.4% |
| Year 7 (4 Sept 2023) | ₹85,000 | ₹1,38,366 | +62.8% |
| Year 8 (4 Sept 2024) | ₹97,000 | ₹2,17,353 | +124.1% |
| Year 9 (4 Sept 2025) | ₹1,09,000 | ₹2,13,721 | +96.1% |
| Year 10 (4 Sept 2026) | ₹1,21,000 | ₹2,32,172 | +91.9% |
Best year of the journey: Year 8 (+44.5% market move) · Toughest year: Year 9 (-6.8%)
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)'s published NAV (source: AMFI) between 6 Sept 2016 and 4 Sept 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.