₹25,000 Monthly SIP in JM Large Cap Fund (Regular) for 20 Years
If you had started a ₹25,000/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
₹60,25,000
241 installments
Value today
₹1,65,94,289
8 Oct 2026
Absolute gain
+₹1,05,69,289
+175.4%
XIRR (annualised)
9.24%
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
₹1,42,73,470
Modelled at historical FD rates. The fund beat FD by ₹23,20,819.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹3,25,000 | ₹4,06,184 | +25% |
| Year 2 (8 Oct 2008) | ₹6,25,000 | ₹4,12,185 | -34.1% |
| Year 3 (8 Oct 2009) | ₹9,25,000 | ₹10,04,478 | +8.6% |
| Year 4 (8 Oct 2010) | ₹12,25,000 | ₹14,81,261 | +20.9% |
| Year 5 (10 Oct 2011) | ₹15,25,000 | ₹13,86,830 | -9.1% |
| Year 6 (8 Oct 2012) | ₹18,25,000 | ₹18,64,289 | +2.2% |
| Year 7 (8 Oct 2013) | ₹21,25,000 | ₹21,55,582 | +1.4% |
| Year 8 (8 Oct 2014) | ₹24,25,000 | ₹34,81,045 | +43.5% |
| Year 9 (8 Oct 2015) | ₹27,25,000 | ₹40,86,199 | +50% |
| Year 10 (10 Oct 2016) | ₹30,25,000 | ₹45,70,477 | +51.1% |
| Year 11 (9 Oct 2017) | ₹33,25,000 | ₹54,24,080 | +63.1% |
| Year 12 (8 Oct 2018) | ₹36,25,000 | ₹58,22,379 | +60.6% |
| Year 13 (9 Oct 2019) | ₹39,25,000 | ₹63,47,880 | +61.7% |
| Year 14 (8 Oct 2020) | ₹42,25,000 | ₹72,33,257 | +71.2% |
| Year 15 (8 Oct 2021) | ₹45,25,000 | ₹1,03,42,393 | +128.6% |
| Year 16 (10 Oct 2022) | ₹48,25,000 | ₹1,05,09,181 | +117.8% |
| Year 17 (9 Oct 2023) | ₹51,25,000 | ₹1,26,94,486 | +147.7% |
| Year 18 (8 Oct 2024) | ₹54,25,000 | ₹1,81,77,518 | +235.1% |
| Year 19 (8 Oct 2025) | ₹57,25,000 | ₹1,75,20,439 | +206% |
| Year 20 (8 Oct 2026) | ₹60,25,000 | ₹1,65,94,289 | +175.4% |
Best year of the journey: Year 8 (+41.8% market move) · Toughest year: Year 2 (-41.6%)
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 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.