₹10,000 Monthly SIP in JM Large Cap Fund (Direct) for 5 Years
If you had started a ₹10,000/month SIP on 5 Jul 2021 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Direct)'s actual NAV for all 61 installments.
You invested
₹6,10,000
61 installments
Value today
₹7,95,426
3 Jul 2026
Absolute gain
+₹1,85,426
+30.4%
XIRR (annualised)
10.7%
money-weighted
The journey, month by month
Worst fall on the way
-13.7%
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
₹7,13,521
Modelled at historical FD rates. The fund beat FD by ₹81,905.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (4 Jul 2022) | ₹1,30,000 | ₹1,22,862 | -5.5% |
| Year 2 (3 Jul 2023) | ₹2,50,000 | ₹2,83,190 | +13.3% |
| Year 3 (3 Jul 2024) | ₹3,70,000 | ₹5,68,913 | +53.8% |
| Year 4 (3 Jul 2025) | ₹4,90,000 | ₹6,75,563 | +37.9% |
| Year 5 (3 Jul 2026) | ₹6,10,000 | ₹7,95,426 | +30.4% |
Best year of the journey: Year 3 (+41.1% market move) · Toughest year: Year 1 (-5.5%)
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 5 Jul 2021 and 3 Jul 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.