₹2,000 Monthly SIP in JM Large Cap Fund (Regular) for 20 Years
If you had started a ₹2,000/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
₹4,82,000
241 installments
Value today
₹13,55,074
7 Oct 2026
Absolute gain
+₹8,73,074
+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
₹11,41,646
Modelled at historical FD rates. The fund beat FD by ₹2,13,428.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹26,000 | ₹32,495 | +25% |
| Year 2 (7 Oct 2008) | ₹50,000 | ₹34,293 | -31.4% |
| Year 3 (7 Oct 2009) | ₹74,000 | ₹79,801 | +7.8% |
| Year 4 (7 Oct 2010) | ₹98,000 | ₹1,19,728 | +22.2% |
| Year 5 (7 Oct 2011) | ₹1,22,000 | ₹1,08,782 | -10.8% |
| Year 6 (8 Oct 2012) | ₹1,46,000 | ₹1,49,143 | +2.2% |
| Year 7 (7 Oct 2013) | ₹1,70,000 | ₹1,71,799 | +1.1% |
| Year 8 (7 Oct 2014) | ₹1,94,000 | ₹2,77,953 | +43.3% |
| Year 9 (7 Oct 2015) | ₹2,18,000 | ₹3,29,080 | +51% |
| Year 10 (7 Oct 2016) | ₹2,42,000 | ₹3,65,412 | +51% |
| Year 11 (9 Oct 2017) | ₹2,66,000 | ₹4,33,926 | +63.1% |
| Year 12 (8 Oct 2018) | ₹2,90,000 | ₹4,65,790 | +60.6% |
| Year 13 (7 Oct 2019) | ₹3,14,000 | ₹5,04,712 | +60.7% |
| Year 14 (7 Oct 2020) | ₹3,38,000 | ₹5,75,492 | +70.3% |
| Year 15 (7 Oct 2021) | ₹3,62,000 | ₹8,24,251 | +127.7% |
| Year 16 (7 Oct 2022) | ₹3,86,000 | ₹8,44,568 | +118.8% |
| Year 17 (9 Oct 2023) | ₹4,10,000 | ₹10,15,559 | +147.7% |
| Year 18 (7 Oct 2024) | ₹4,34,000 | ₹14,36,943 | +231.1% |
| Year 19 (7 Oct 2025) | ₹4,58,000 | ₹14,06,853 | +207.2% |
| Year 20 (7 Oct 2026) | ₹4,82,000 | ₹13,55,074 | +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.