₹10,000 Monthly SIP in JM Large Cap Fund (Regular) - Monthly IDCW for 10 Years
If you had started a ₹10,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Regular) - Monthly IDCW's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹16,83,523
8 Oct 2026
Absolute gain
+₹4,73,523
+39.1%
XIRR (annualised)
6.46%
money-weighted
The journey, month by month
Worst fall on the way
-45.5%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,490
Modelled at historical FD rates. The fund beat FD by ₹4,033.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,39,826 | +7.6% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹1,60,476 | -35.8% |
| Year 3 (9 Oct 2019) | ₹3,70,000 | ₹2,47,220 | -33.2% |
| Year 4 (8 Oct 2020) | ₹4,90,000 | ₹3,99,535 | -18.5% |
| Year 5 (8 Oct 2021) | ₹6,10,000 | ₹6,93,245 | +13.6% |
| Year 6 (10 Oct 2022) | ₹7,30,000 | ₹8,06,042 | +10.4% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹10,79,510 | +27% |
| Year 8 (8 Oct 2024) | ₹9,70,000 | ₹16,51,500 | +70.3% |
| Year 9 (8 Oct 2025) | ₹10,90,000 | ₹16,87,249 | +54.8% |
| Year 10 (8 Oct 2026) | ₹11,90,000 | ₹16,64,553 | +39.9% |
Best year of the journey: Year 8 (+37.7% market move) · Toughest year: Year 2 (-38.2%)
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 (Regular) - Monthly IDCW's published NAV (source: AMFI) between 10 Oct 2016 and 8 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.