₹2,000 Monthly SIP in JM Large Cap Fund (Regular) - Monthly IDCW for 3 Years
If you had started a ₹2,000/month SIP on 18 Aug 2023 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 37 installments.
You invested
₹74,000
37 installments
Value today
₹79,294
18 Aug 2026
Absolute gain
+₹5,294
+7.2%
XIRR (annualised)
4.55%
money-weighted
The journey, month by month
Worst fall on the way
-11.1%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹82,374
Modelled at historical FD rates. The fund trailed FD by ₹3,080.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (19 Aug 2024) | ₹26,000 | ₹32,143 | +23.6% |
| Year 2 (18 Aug 2025) | ₹50,000 | ₹53,636 | +7.3% |
| Year 3 (18 Aug 2026) | ₹70,000 | ₹75,168 | +7.4% |
Best year of the journey: Year 1 (+23.6% market move) · Toughest year: Year 2 (-4.5%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 18 Aug 2023 and 18 Aug 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.