₹5,000 Monthly SIP in JM Large Cap Fund (Regular) for 15 Years
If you had started a ₹5,000/month SIP on 7 Oct 2011 and never stopped — through every crash and rally — here is exactly what happened, using JM Large Cap Fund (Regular)'s actual NAV for all 181 installments.
You invested
₹9,05,000
181 installments
Value today
₹21,02,391
7 Oct 2026
Absolute gain
+₹11,97,391
+132.3%
XIRR (annualised)
10.5%
money-weighted
The journey, month by month
Worst fall on the way
-19.4%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
7
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,74,031
Modelled at historical FD rates. The fund beat FD by ₹4,28,360.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2012) | ₹65,000 | ₹70,895 | +9.1% |
| Year 2 (7 Oct 2013) | ₹1,25,000 | ₹1,29,495 | +3.6% |
| Year 3 (7 Oct 2014) | ₹1,85,000 | ₹2,60,669 | +40.9% |
| Year 4 (7 Oct 2015) | ₹2,45,000 | ₹3,45,568 | +41% |
| Year 5 (7 Oct 2016) | ₹3,05,000 | ₹4,20,577 | +37.9% |
| Year 6 (9 Oct 2017) | ₹3,65,000 | ₹5,34,122 | +46.3% |
| Year 7 (8 Oct 2018) | ₹4,25,000 | ₹6,03,390 | +42% |
| Year 8 (7 Oct 2019) | ₹4,85,000 | ₹6,82,780 | +40.8% |
| Year 9 (7 Oct 2020) | ₹5,45,000 | ₹8,08,319 | +48.3% |
| Year 10 (7 Oct 2021) | ₹6,05,000 | ₹11,88,606 | +96.5% |
| Year 11 (7 Oct 2022) | ₹6,65,000 | ₹12,43,851 | +87% |
| Year 12 (9 Oct 2023) | ₹7,25,000 | ₹15,22,585 | +110% |
| Year 13 (7 Oct 2024) | ₹7,85,000 | ₹21,80,914 | +177.8% |
| Year 14 (7 Oct 2025) | ₹8,45,000 | ₹21,59,596 | +155.6% |
| Year 15 (7 Oct 2026) | ₹9,05,000 | ₹21,02,391 | +132.3% |
Best year of the journey: Year 13 (+37.8% market move) · Toughest year: Year 15 (-5.3%)
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 7 Oct 2011 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.