₹10,000 Monthly SIP in JM Large Cap Fund (Regular) for 15 Years
If you had started a ₹10,000/month SIP on 7 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
₹18,10,000
181 installments
Value today
₹42,04,782
7 Oct 2026
Absolute gain
+₹23,94,782
+132.3%
XIRR (annualised)
10.5%
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
₹33,48,062
Modelled at historical FD rates. The fund beat FD by ₹8,56,720.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹1,30,000 | ₹1,41,790 | +9.1% |
| Year 2 (7 Oct 2013) | ₹2,50,000 | ₹2,58,990 | +3.6% |
| Year 3 (7 Oct 2014) | ₹3,70,000 | ₹5,21,338 | +40.9% |
| Year 4 (7 Oct 2015) | ₹4,90,000 | ₹6,91,136 | +41% |
| Year 5 (7 Oct 2016) | ₹6,10,000 | ₹8,41,153 | +37.9% |
| Year 6 (9 Oct 2017) | ₹7,30,000 | ₹10,68,244 | +46.3% |
| Year 7 (8 Oct 2018) | ₹8,50,000 | ₹12,06,780 | +42% |
| Year 8 (7 Oct 2019) | ₹9,70,000 | ₹13,65,559 | +40.8% |
| Year 9 (7 Oct 2020) | ₹10,90,000 | ₹16,16,638 | +48.3% |
| Year 10 (7 Oct 2021) | ₹12,10,000 | ₹23,77,212 | +96.5% |
| Year 11 (7 Oct 2022) | ₹13,30,000 | ₹24,87,702 | +87% |
| Year 12 (9 Oct 2023) | ₹14,50,000 | ₹30,45,169 | +110% |
| Year 13 (7 Oct 2024) | ₹15,70,000 | ₹43,61,829 | +177.8% |
| Year 14 (7 Oct 2025) | ₹16,90,000 | ₹43,19,192 | +155.6% |
| Year 15 (7 Oct 2026) | ₹18,10,000 | ₹42,04,782 | +132.3% |
Best year of the journey: Year 13 (+37.8% market move) · Toughest year: Year 15 (-5.3%)
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 7 Oct 2011 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.