₹2,000 Monthly SIP in SBI Large & Midcap Fund for 10 Years
If you had started a ₹2,000/month SIP on 19 Sept 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
₹2,42,000
121 installments
Value today
₹5,47,076
18 Sept 2026
Absolute gain
+₹3,05,076
+126.1%
XIRR (annualised)
15.54%
money-weighted
The journey, month by month
Worst fall on the way
-35.1%
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
₹3,36,724
Modelled at historical FD rates. The fund beat FD by ₹2,10,352.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (18 Sept 2017) | ₹26,000 | ₹29,257 | +12.5% |
| Year 2 (18 Sept 2018) | ₹50,000 | ₹55,680 | +11.4% |
| Year 3 (18 Sept 2019) | ₹74,000 | ₹76,773 | +3.7% |
| Year 4 (18 Sept 2020) | ₹98,000 | ₹1,08,315 | +10.5% |
| Year 5 (20 Sept 2021) | ₹1,22,000 | ₹2,02,710 | +66.2% |
| Year 6 (19 Sept 2022) | ₹1,46,000 | ₹2,55,364 | +74.9% |
| Year 7 (18 Sept 2023) | ₹1,70,000 | ₹3,32,307 | +95.5% |
| Year 8 (18 Sept 2024) | ₹1,94,000 | ₹4,75,370 | +145% |
| Year 9 (18 Sept 2025) | ₹2,18,000 | ₹5,18,177 | +137.7% |
| Year 10 (18 Sept 2026) | ₹2,42,000 | ₹5,47,076 | +126.1% |
Best year of the journey: Year 5 (+53.2% market move) · Toughest year: Year 3 (-3.6%)
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 19 Sept 2016 and 18 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.