₹10,000 Monthly SIP in Navi Large & Midcap Fund for 10 Years
If you had started a ₹10,000/month SIP on 10 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using Navi Large & Midcap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹23,57,096
8 Oct 2026
Absolute gain
+₹11,47,096
+94.8%
XIRR (annualised)
12.83%
money-weighted
The journey, month by month
Worst fall on the way
-37.1%
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
₹16,79,645
Modelled at historical FD rates. The fund beat FD by ₹6,77,451.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (9 Oct 2017) | ₹1,30,000 | ₹1,44,426 | +11.1% |
| Year 2 (8 Oct 2018) | ₹2,50,000 | ₹2,39,447 | -4.2% |
| Year 3 (9 Oct 2019) | ₹3,70,000 | ₹4,04,969 | +9.5% |
| Year 4 (8 Oct 2020) | ₹4,90,000 | ₹5,36,645 | +9.5% |
| Year 5 (8 Oct 2021) | ₹6,10,000 | ₹10,55,429 | +73% |
| Year 6 (10 Oct 2022) | ₹7,30,000 | ₹12,05,741 | +65.2% |
| Year 7 (9 Oct 2023) | ₹8,50,000 | ₹15,37,636 | +80.9% |
| Year 8 (8 Oct 2024) | ₹9,70,000 | ₹21,56,035 | +122.3% |
| Year 9 (8 Oct 2025) | ₹10,90,000 | ₹22,50,256 | +106.4% |
| Year 10 (8 Oct 2026) | ₹12,10,000 | ₹23,57,096 | +94.8% |
Best year of the journey: Year 5 (+60.7% market move) · Toughest year: Year 2 (-9.4%)
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 Navi Large & Midcap Fund's published NAV (source: AMFI) between 10 Oct 2016 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.