₹2,000 Monthly SIP in Navi Large & Midcap Fund for 5 Years
If you had started a ₹2,000/month SIP on 8 Oct 2021 and never stopped — through every crash and rally — here is exactly what happened, using Navi Large & Midcap Fund's actual NAV for all 61 installments.
You invested
₹1,22,000
61 installments
Value today
₹1,49,785
8 Oct 2026
Absolute gain
+₹27,785
+22.8%
XIRR (annualised)
8.21%
money-weighted
The journey, month by month
Worst fall on the way
-13.7%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
2
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,43,289
Modelled at historical FD rates. The fund beat FD by ₹6,496.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Oct 2022) | ₹26,000 | ₹26,957 | +3.7% |
| Year 2 (9 Oct 2023) | ₹50,000 | ₹57,832 | +15.7% |
| Year 3 (8 Oct 2024) | ₹74,000 | ₹1,03,430 | +39.8% |
| Year 4 (8 Oct 2025) | ₹98,000 | ₹1,26,840 | +29.4% |
| Year 5 (8 Oct 2026) | ₹1,22,000 | ₹1,49,785 | +22.8% |
Best year of the journey: Year 3 (+26.4% market move) · Toughest year: Year 5 (-0.7%)
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 8 Oct 2021 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.