₹10,000 Monthly SIP in JM Large Cap Fund (Regular) for 15 Years
If you had started a ₹10,000/month SIP on 18 Aug 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
₹45,59,466
18 Aug 2026
Absolute gain
+₹27,49,466
+151.9%
XIRR (annualised)
11.42%
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
₹33,68,323
Modelled at historical FD rates. The fund beat FD by ₹11,91,143.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Aug 2012) | ₹1,30,000 | ₹1,37,000 | +5.4% |
| Year 2 (19 Aug 2013) | ₹2,50,000 | ₹2,41,705 | -3.3% |
| Year 3 (18 Aug 2014) | ₹3,70,000 | ₹5,20,865 | +40.8% |
| Year 4 (18 Aug 2015) | ₹4,90,000 | ₹7,30,889 | +49.2% |
| Year 5 (18 Aug 2016) | ₹6,10,000 | ₹8,58,831 | +40.8% |
| Year 6 (18 Aug 2017) | ₹7,30,000 | ₹10,77,816 | +47.6% |
| Year 7 (20 Aug 2018) | ₹8,50,000 | ₹12,83,080 | +51% |
| Year 8 (19 Aug 2019) | ₹9,70,000 | ₹13,81,015 | +42.4% |
| Year 9 (18 Aug 2020) | ₹10,90,000 | ₹16,11,739 | +47.9% |
| Year 10 (18 Aug 2021) | ₹12,10,000 | ₹22,61,055 | +86.9% |
| Year 11 (18 Aug 2022) | ₹13,30,000 | ₹25,68,210 | +93.1% |
| Year 12 (18 Aug 2023) | ₹14,50,000 | ₹30,05,825 | +107.3% |
| Year 13 (19 Aug 2024) | ₹15,70,000 | ₹45,89,478 | +192.3% |
| Year 14 (18 Aug 2025) | ₹16,90,000 | ₹43,39,212 | +156.8% |
| Year 15 (18 Aug 2026) | ₹18,10,000 | ₹45,59,466 | +151.9% |
Best year of the journey: Year 13 (+46.8% market move) · Toughest year: Year 14 (-7.9%)
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 18 Aug 2011 and 18 Aug 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.