₹5,000 Monthly SIP in JM Large Cap Fund (Regular) for 20 Years
If you had started a ₹5,000/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
₹12,05,000
241 installments
Value today
₹33,87,686
7 Oct 2026
Absolute gain
+₹21,82,686
+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
₹28,54,114
Modelled at historical FD rates. The fund beat FD by ₹5,33,572.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹65,000 | ₹81,237 | +25% |
| Year 2 (7 Oct 2008) | ₹1,25,000 | ₹85,732 | -31.4% |
| Year 3 (7 Oct 2009) | ₹1,85,000 | ₹1,99,502 | +7.8% |
| Year 4 (7 Oct 2010) | ₹2,45,000 | ₹2,99,319 | +22.2% |
| Year 5 (7 Oct 2011) | ₹3,05,000 | ₹2,71,954 | -10.8% |
| Year 6 (8 Oct 2012) | ₹3,65,000 | ₹3,72,858 | +2.2% |
| Year 7 (7 Oct 2013) | ₹4,25,000 | ₹4,29,498 | +1.1% |
| Year 8 (7 Oct 2014) | ₹4,85,000 | ₹6,94,883 | +43.3% |
| Year 9 (7 Oct 2015) | ₹5,45,000 | ₹8,22,701 | +51% |
| Year 10 (7 Oct 2016) | ₹6,05,000 | ₹9,13,529 | +51% |
| Year 11 (9 Oct 2017) | ₹6,65,000 | ₹10,84,816 | +63.1% |
| Year 12 (8 Oct 2018) | ₹7,25,000 | ₹11,64,476 | +60.6% |
| Year 13 (7 Oct 2019) | ₹7,85,000 | ₹12,61,780 | +60.7% |
| Year 14 (7 Oct 2020) | ₹8,45,000 | ₹14,38,730 | +70.3% |
| Year 15 (7 Oct 2021) | ₹9,05,000 | ₹20,60,628 | +127.7% |
| Year 16 (7 Oct 2022) | ₹9,65,000 | ₹21,11,419 | +118.8% |
| Year 17 (9 Oct 2023) | ₹10,25,000 | ₹25,38,897 | +147.7% |
| Year 18 (7 Oct 2024) | ₹10,85,000 | ₹35,92,356 | +231.1% |
| Year 19 (7 Oct 2025) | ₹11,45,000 | ₹35,17,132 | +207.2% |
| Year 20 (7 Oct 2026) | ₹12,05,000 | ₹33,87,686 | +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.
Try a different amount
Try a different duration
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.