₹25,000 Monthly SIP in JM Large Cap Fund (Regular) for 10 Years
If you had started a ₹25,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Regular)'s actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹49,90,666
8 Oct 2026
Absolute gain
+₹19,65,666
+65%
XIRR (annualised)
9.7%
money-weighted
The journey, month by month
Worst fall on the way
-18.3%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹41,99,113
Modelled at historical FD rates. The fund beat FD by ₹7,91,553.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹3,25,000 | ₹3,49,317 | +7.5% |
| Year 2 (8 Oct 2018) | ₹6,25,000 | ₹6,51,852 | +4.3% |
| Year 3 (9 Oct 2019) | ₹9,25,000 | ₹9,79,304 | +5.9% |
| Year 4 (8 Oct 2020) | ₹12,25,000 | ₹13,91,901 | +13.6% |
| Year 5 (8 Oct 2021) | ₹15,25,000 | ₹22,75,909 | +49.2% |
| Year 6 (10 Oct 2022) | ₹18,25,000 | ₹25,50,639 | +39.8% |
| Year 7 (9 Oct 2023) | ₹21,25,000 | ₹33,28,950 | +56.7% |
| Year 8 (8 Oct 2024) | ₹24,25,000 | ₹50,14,557 | +106.8% |
| Year 9 (8 Oct 2025) | ₹27,25,000 | ₹50,56,853 | +85.6% |
| Year 10 (8 Oct 2026) | ₹30,25,000 | ₹49,90,666 | +65% |
Best year of the journey: Year 8 (+38.2% market move) · Toughest year: Year 10 (-6.8%)
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 10 Oct 2016 and 8 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.