₹1,000 Monthly SIP in JM Large Cap Fund (Regular) - Quarterly IDCW for 3 Years
If you had started a ₹1,000/month SIP on 9 Oct 2023 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Regular) - Quarterly IDCW's actual NAV for all 37 installments.
You invested
₹37,000
37 installments
Value today
₹36,590
7 Oct 2026
Absolute gain
₹-410
-1.1%
XIRR (annualised)
-0.74%
money-weighted
The journey, month by month
Worst fall on the way
-10.8%
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
₹41,106
Modelled at historical FD rates. The fund trailed FD by ₹4,516.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (7 Oct 2024) | ₹13,000 | ₹14,662 | +12.8% |
| Year 2 (7 Oct 2025) | ₹25,000 | ₹26,497 | +6% |
| Year 3 (7 Oct 2026) | ₹35,000 | ₹34,654 | -1% |
Best year of the journey: Year 1 (+12.8% market move) · Toughest year: Year 3 (-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 (Regular) - Quarterly IDCW's published NAV (source: AMFI) between 9 Oct 2023 and 7 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.