₹10,000 Monthly SIP in LIC MF Flexi Cap Fund for 10 Years
If you had started a ₹10,000/month SIP on 29 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Flexi Cap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹21,87,461
29 Sept 2026
Absolute gain
+₹9,77,461
+80.8%
XIRR (annualised)
11.31%
money-weighted
The journey, month by month
Worst fall on the way
-32.8%
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
₹16,86,758
Modelled at historical FD rates. The fund beat FD by ₹5,00,703.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (29 Sept 2017) | ₹1,30,000 | ₹1,31,999 | +1.5% |
| Year 2 (1 Oct 2018) | ₹2,60,000 | ₹2,72,577 | +4.8% |
| Year 3 (30 Sept 2019) | ₹3,70,000 | ₹4,12,484 | +11.5% |
| Year 4 (29 Sept 2020) | ₹4,90,000 | ₹5,18,502 | +5.8% |
| Year 5 (29 Sept 2021) | ₹6,10,000 | ₹9,06,071 | +48.5% |
| Year 6 (29 Sept 2022) | ₹7,30,000 | ₹10,00,662 | +37.1% |
| Year 7 (29 Sept 2023) | ₹8,50,000 | ₹13,46,713 | +58.4% |
| Year 8 (30 Sept 2024) | ₹9,70,000 | ₹20,17,911 | +108% |
| Year 9 (29 Sept 2025) | ₹10,90,000 | ₹20,09,291 | +84.3% |
| Year 10 (29 Sept 2026) | ₹12,10,000 | ₹21,87,461 | +80.8% |
Best year of the journey: Year 5 (+41.9% market move) · Toughest year: Year 9 (-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 LIC MF Flexi Cap Fund's published NAV (source: AMFI) between 29 Sept 2016 and 29 Sept 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.