₹1,000 Monthly SIP in JM Large Cap Fund (Regular) for 15 Years
If you had started a ₹1,000/month SIP on 10 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Regular)'s actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹4,11,843
8 Oct 2026
Absolute gain
+₹2,30,843
+127.5%
XIRR (annualised)
10.25%
money-weighted
The journey, month by month
Worst fall on the way
-19.4%
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
₹3,34,869
Modelled at historical FD rates. The fund beat FD by ₹76,974.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹13,000 | ₹14,157 | +8.9% |
| Year 2 (8 Oct 2013) | ₹25,000 | ₹25,975 | +3.9% |
| Year 3 (8 Oct 2014) | ₹37,000 | ₹52,202 | +41.1% |
| Year 4 (8 Oct 2015) | ₹49,000 | ₹68,620 | +40% |
| Year 5 (10 Oct 2016) | ₹61,000 | ₹84,131 | +37.9% |
| Year 6 (9 Oct 2017) | ₹73,000 | ₹1,06,784 | +46.3% |
| Year 7 (8 Oct 2018) | ₹85,000 | ₹1,20,637 | +41.9% |
| Year 8 (9 Oct 2019) | ₹97,000 | ₹1,37,357 | +41.6% |
| Year 9 (8 Oct 2020) | ₹1,09,000 | ₹1,62,508 | +49.1% |
| Year 10 (8 Oct 2021) | ₹1,21,000 | ₹2,38,563 | +97.2% |
| Year 11 (10 Oct 2022) | ₹1,33,000 | ₹2,47,578 | +86.1% |
| Year 12 (9 Oct 2023) | ₹1,45,000 | ₹3,04,443 | +110% |
| Year 13 (8 Oct 2024) | ₹1,57,000 | ₹4,41,317 | +181.1% |
| Year 14 (8 Oct 2025) | ₹1,69,000 | ₹4,30,218 | +154.6% |
| Year 15 (8 Oct 2026) | ₹1,81,000 | ₹4,11,843 | +127.5% |
Best year of the journey: Year 13 (+39.5% market move) · Toughest year: Year 15 (-6.9%)
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)'s published NAV (source: AMFI) between 10 Oct 2011 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.