₹10,000 Monthly SIP in SBI Large & Midcap Fund for 10 Years
If you had started a ₹10,000/month SIP on 5 Oct 2016 and never stopped — through every crash and rally — here is exactly what happened, using SBI Large & Midcap Fund's actual NAV for all 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹26,03,990
5 Oct 2026
Absolute gain
+₹13,93,990
+115.2%
XIRR (annualised)
14.72%
money-weighted
The journey, month by month
Worst fall on the way
-35%
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
₹16,78,801
Modelled at historical FD rates. The fund beat FD by ₹9,25,189.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (5 Oct 2017) | ₹1,30,000 | ₹1,41,716 | +9% |
| Year 2 (5 Oct 2018) | ₹2,50,000 | ₹2,54,996 | +2% |
| Year 3 (7 Oct 2019) | ₹3,70,000 | ₹3,89,374 | +5.2% |
| Year 4 (5 Oct 2020) | ₹4,90,000 | ₹5,32,438 | +8.7% |
| Year 5 (5 Oct 2021) | ₹6,10,000 | ₹10,36,930 | +70% |
| Year 6 (6 Oct 2022) | ₹7,30,000 | ₹12,68,726 | +73.8% |
| Year 7 (5 Oct 2023) | ₹8,50,000 | ₹15,93,703 | +87.5% |
| Year 8 (7 Oct 2024) | ₹9,70,000 | ₹22,92,766 | +136.4% |
| Year 9 (6 Oct 2025) | ₹10,90,000 | ₹25,25,971 | +131.7% |
| Year 10 (5 Oct 2026) | ₹12,10,000 | ₹26,03,990 | +115.2% |
Best year of the journey: Year 5 (+58.9% market move) · Toughest year: Year 2 (-2.6%)
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 SBI Large & Midcap Fund's published NAV (source: AMFI) between 5 Oct 2016 and 5 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.