₹25,000 Monthly SIP in SBI Large & Midcap Fund for 10 Years
If you had started a ₹25,000/month SIP on 3 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
₹30,25,000
121 installments
Value today
₹65,07,346
1 Oct 2026
Absolute gain
+₹34,82,346
+115.1%
XIRR (annualised)
14.74%
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
₹41,94,148
Modelled at historical FD rates. The fund beat FD by ₹23,13,198.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (3 Oct 2017) | ₹3,25,000 | ₹3,53,628 | +8.8% |
| Year 2 (1 Oct 2018) | ₹6,25,000 | ₹6,66,164 | +6.6% |
| Year 3 (1 Oct 2019) | ₹9,25,000 | ₹9,93,488 | +7.4% |
| Year 4 (1 Oct 2020) | ₹12,25,000 | ₹13,24,742 | +8.1% |
| Year 5 (1 Oct 2021) | ₹15,25,000 | ₹25,55,477 | +67.6% |
| Year 6 (3 Oct 2022) | ₹18,25,000 | ₹31,00,206 | +69.9% |
| Year 7 (3 Oct 2023) | ₹21,25,000 | ₹40,18,577 | +89.1% |
| Year 8 (1 Oct 2024) | ₹24,25,000 | ₹59,69,207 | +146.2% |
| Year 9 (1 Oct 2025) | ₹27,25,000 | ₹62,62,154 | +129.8% |
| Year 10 (1 Oct 2026) | ₹30,25,000 | ₹65,07,346 | +115.1% |
Best year of the journey: Year 5 (+57.3% market move) · Toughest year: Year 10 (-0.8%)
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 3 Oct 2016 and 1 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.