₹25,000 Monthly SIP in JM Large Cap Fund (Regular) - Monthly IDCW for 10 Years
If you had started a ₹25,000/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
₹30,25,000
121 installments
Value today
₹42,08,807
8 Oct 2026
Absolute gain
+₹11,83,807
+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
₹41,98,726
Modelled at historical FD rates. The fund beat FD by ₹10,081.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹3,25,000 | ₹3,49,565 | +7.6% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹4,01,190 | -35.8% |
| Year 3 (9 Oct 2019) | ₹9,25,000 | ₹6,18,049 | -33.2% |
| Year 4 (8 Oct 2020) | ₹12,25,000 | ₹9,98,837 | -18.5% |
| Year 5 (8 Oct 2021) | ₹15,25,000 | ₹17,33,111 | +13.6% |
| Year 6 (10 Oct 2022) | ₹18,25,000 | ₹20,15,105 | +10.4% |
| Year 7 (9 Oct 2023) | ₹21,25,000 | ₹26,98,775 | +27% |
| Year 8 (8 Oct 2024) | ₹24,25,000 | ₹41,28,751 | +70.3% |
| Year 9 (8 Oct 2025) | ₹27,25,000 | ₹42,18,121 | +54.8% |
| Year 10 (8 Oct 2026) | ₹29,75,000 | ₹41,61,382 | +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.