₹10,000 Monthly SIP in JM Large Cap Fund (Regular) for 20 Years
If you had started a ₹10,000/month SIP on 18 Aug 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
₹72,93,244
18 Aug 2026
Absolute gain
+₹48,83,244
+202.6%
XIRR (annualised)
10.02%
money-weighted
The journey, month by month
Worst fall on the way
-50.7%
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
₹57,15,534
Modelled at historical FD rates. The fund beat FD by ₹15,77,710.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹1,30,000 | ₹1,47,962 | +13.8% |
| Year 2 (18 Aug 2008) | ₹2,50,000 | ₹2,18,855 | -12.5% |
| Year 3 (18 Aug 2009) | ₹3,70,000 | ₹3,64,864 | -1.4% |
| Year 4 (18 Aug 2010) | ₹4,90,000 | ₹5,44,368 | +11.1% |
| Year 5 (18 Aug 2011) | ₹6,10,000 | ₹5,52,278 | -9.5% |
| Year 6 (21 Aug 2012) | ₹7,30,000 | ₹7,14,038 | -2.2% |
| Year 7 (19 Aug 2013) | ₹8,50,000 | ₹7,98,046 | -6.1% |
| Year 8 (18 Aug 2014) | ₹9,70,000 | ₹13,67,438 | +41% |
| Year 9 (18 Aug 2015) | ₹10,90,000 | ₹17,17,855 | +57.6% |
| Year 10 (18 Aug 2016) | ₹12,10,000 | ₹18,44,505 | +52.4% |
| Year 11 (18 Aug 2017) | ₹13,30,000 | ₹21,66,373 | +62.9% |
| Year 12 (20 Aug 2018) | ₹14,50,000 | ₹24,52,880 | +69.2% |
| Year 13 (19 Aug 2019) | ₹15,70,000 | ₹25,31,132 | +61.2% |
| Year 14 (18 Aug 2020) | ₹16,90,000 | ₹28,46,676 | +68.4% |
| Year 15 (18 Aug 2021) | ₹18,10,000 | ₹38,87,206 | +114.8% |
| Year 16 (18 Aug 2022) | ₹19,30,000 | ₹43,25,606 | +124.1% |
| Year 17 (18 Aug 2023) | ₹20,50,000 | ₹49,73,345 | +142.6% |
| Year 18 (19 Aug 2024) | ₹21,70,000 | ₹74,98,085 | +245.5% |
| Year 19 (18 Aug 2025) | ₹22,90,000 | ₹70,12,877 | +206.2% |
| Year 20 (18 Aug 2026) | ₹24,10,000 | ₹72,93,244 | +202.6% |
Best year of the journey: Year 8 (+49% market move) · Toughest year: Year 2 (-18.3%)
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 18 Aug 2006 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.