₹25,000 Monthly SIP in JM Large Cap Fund (Regular) - Monthly IDCW for 5 Years
If you had started a ₹25,000/month SIP on 8 Oct 2021 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 61 installments.
You invested
₹15,25,000
61 installments
Value today
₹17,51,722
8 Oct 2026
Absolute gain
+₹2,26,722
+14.9%
XIRR (annualised)
5.54%
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
3
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹17,90,723
Modelled at historical FD rates. The fund trailed FD by ₹39,001.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2022) | ₹3,25,000 | ₹3,29,851 | +1.5% |
| Year 2 (9 Oct 2023) | ₹6,25,000 | ₹7,15,555 | +14.5% |
| Year 3 (8 Oct 2024) | ₹9,25,000 | ₹13,41,478 | +45% |
| Year 4 (8 Oct 2025) | ₹12,25,000 | ₹15,78,936 | +28.9% |
| Year 5 (8 Oct 2026) | ₹14,75,000 | ₹17,04,298 | +15.5% |
Best year of the journey: Year 3 (+32.1% market move) · Toughest year: Year 5 (-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.
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 8 Oct 2021 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.