₹5,000 Monthly SIP in SBI Large & Midcap Fund for 3 Years
If you had started a ₹5,000/month SIP on 29 Sept 2023 and never stopped — through every crash and rally — here is exactly what happened, using SBI Large & Midcap Fund's actual NAV for all 37 installments.
You invested
₹1,85,000
37 installments
Value today
₹2,01,339
29 Sept 2026
Absolute gain
+₹16,339
+8.8%
XIRR (annualised)
5.45%
money-weighted
The journey, month by month
Worst fall on the way
-10.2%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
1
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹2,06,436
Modelled at historical FD rates. The fund trailed FD by ₹5,097.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (30 Sept 2024) | ₹65,000 | ₹79,419 | +22.2% |
| Year 2 (29 Sept 2025) | ₹1,25,000 | ₹1,41,127 | +12.9% |
| Year 3 (29 Sept 2026) | ₹1,85,000 | ₹2,01,339 | +8.8% |
Best year of the journey: Year 1 (+22.2% market move) · Toughest year: Year 3 (0.1%)
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 29 Sept 2023 and 29 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.