₹10,000 Monthly SIP in JM Large Cap Fund (Regular) - Quarterly IDCW for 10 Years
If you had started a ₹10,000/month SIP on 7 Oct 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹18,69,901
7 Oct 2026
Absolute gain
+₹6,59,901
+54.5%
XIRR (annualised)
8.47%
money-weighted
The journey, month by month
Worst fall on the way
-23%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
8
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,79,214
Modelled at historical FD rates. The fund beat FD by ₹1,90,687.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,21,634 | -6.4% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹1,89,135 | -24.3% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,13,949 | -15.1% |
| Year 4 (7 Oct 2020) | ₹4,90,000 | ₹4,71,651 | -3.7% |
| Year 5 (7 Oct 2021) | ₹6,10,000 | ₹7,93,397 | +30.1% |
| Year 6 (7 Oct 2022) | ₹7,30,000 | ₹9,11,967 | +24.9% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹11,99,274 | +41.1% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹17,98,233 | +85.4% |
| Year 9 (7 Oct 2025) | ₹10,90,000 | ₹18,53,505 | +70% |
| Year 10 (7 Oct 2026) | ₹11,90,000 | ₹18,50,538 | +55.5% |
Best year of the journey: Year 8 (+36.3% market move) · Toughest year: Year 2 (-21.7%)
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 7 Oct 2016 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.