₹25,000 Monthly SIP in LIC MF Large Cap Fund for 10 Years
If you had started a ₹25,000/month SIP on 28 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using LIC MF Large Cap Fund's actual NAV for all 121 installments.
You invested
₹30,25,000
121 installments
Value today
₹50,24,412
28 Sept 2026
Absolute gain
+₹19,99,412
+66.1%
XIRR (annualised)
9.73%
money-weighted
The journey, month by month
Worst fall on the way
-31.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
6
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹42,16,181
Modelled at historical FD rates. The fund beat FD by ₹8,08,231.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹3,25,000 | ₹3,52,172 | +8.4% |
| Year 2 (28 Sept 2018) | ₹6,25,000 | ₹6,60,308 | +5.6% |
| Year 3 (30 Sept 2019) | ₹9,25,000 | ₹10,81,251 | +16.9% |
| Year 4 (28 Sept 2020) | ₹12,25,000 | ₹13,44,106 | +9.7% |
| Year 5 (28 Sept 2021) | ₹15,25,000 | ₹25,18,158 | +65.1% |
| Year 6 (28 Sept 2022) | ₹18,25,000 | ₹26,78,095 | +46.7% |
| Year 7 (29 Sept 2023) | ₹21,25,000 | ₹33,17,097 | +56.1% |
| Year 8 (30 Sept 2024) | ₹24,25,000 | ₹49,17,759 | +102.8% |
| Year 9 (29 Sept 2025) | ₹27,25,000 | ₹49,89,341 | +83.1% |
| Year 10 (28 Sept 2026) | ₹30,25,000 | ₹50,24,412 | +66.1% |
Best year of the journey: Year 5 (+53.2% market move) · Toughest year: Year 10 (-5%)
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 Large Cap Fund's published NAV (source: AMFI) between 28 Sept 2016 and 28 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.