₹10,000 Monthly SIP in JM Large Cap Fund (Regular) for 20 Years
If you had started a ₹10,000/month SIP on 9 Oct 2006 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Regular)'s actual NAV for all 241 installments.
You invested
₹24,10,000
241 installments
Value today
₹67,75,372
7 Oct 2026
Absolute gain
+₹43,65,372
+181.1%
XIRR (annualised)
9.42%
money-weighted
The journey, month by month
Worst fall on the way
-48%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
11
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹57,08,228
Modelled at historical FD rates. The fund beat FD by ₹10,67,144.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹1,30,000 | ₹1,62,473 | +25% |
| Year 2 (7 Oct 2008) | ₹2,50,000 | ₹1,71,464 | -31.4% |
| Year 3 (7 Oct 2009) | ₹3,70,000 | ₹3,99,004 | +7.8% |
| Year 4 (7 Oct 2010) | ₹4,90,000 | ₹5,98,638 | +22.2% |
| Year 5 (7 Oct 2011) | ₹6,10,000 | ₹5,43,909 | -10.8% |
| Year 6 (8 Oct 2012) | ₹7,30,000 | ₹7,45,715 | +2.2% |
| Year 7 (7 Oct 2013) | ₹8,50,000 | ₹8,58,996 | +1.1% |
| Year 8 (7 Oct 2014) | ₹9,70,000 | ₹13,89,766 | +43.3% |
| Year 9 (7 Oct 2015) | ₹10,90,000 | ₹16,45,402 | +51% |
| Year 10 (7 Oct 2016) | ₹12,10,000 | ₹18,27,058 | +51% |
| Year 11 (9 Oct 2017) | ₹13,30,000 | ₹21,69,632 | +63.1% |
| Year 12 (8 Oct 2018) | ₹14,50,000 | ₹23,28,951 | +60.6% |
| Year 13 (7 Oct 2019) | ₹15,70,000 | ₹25,23,559 | +60.7% |
| Year 14 (7 Oct 2020) | ₹16,90,000 | ₹28,77,460 | +70.3% |
| Year 15 (7 Oct 2021) | ₹18,10,000 | ₹41,21,256 | +127.7% |
| Year 16 (7 Oct 2022) | ₹19,30,000 | ₹42,22,839 | +118.8% |
| Year 17 (9 Oct 2023) | ₹20,50,000 | ₹50,77,794 | +147.7% |
| Year 18 (7 Oct 2024) | ₹21,70,000 | ₹71,84,713 | +231.1% |
| Year 19 (7 Oct 2025) | ₹22,90,000 | ₹70,34,264 | +207.2% |
| Year 20 (7 Oct 2026) | ₹24,10,000 | ₹67,75,372 | +181.1% |
Best year of the journey: Year 8 (+42% market move) · Toughest year: Year 2 (-39.3%)
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 9 Oct 2006 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.