₹1,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 15 Years
If you had started a ₹1,000/month SIP on 21 Sept 2011 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Large and Midcap Fund Regular Plan's actual NAV for all 181 installments.
You invested
₹1,81,000
181 installments
Value today
₹5,95,549
21 Sept 2026
Absolute gain
+₹4,14,549
+229%
XIRR (annualised)
14.5%
money-weighted
The journey, month by month
Worst fall on the way
-37.8%
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
₹3,36,407
Modelled at historical FD rates. The fund beat FD by ₹2,59,142.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (21 Sept 2012) | ₹13,000 | ₹14,354 | +10.4% |
| Year 2 (23 Sept 2013) | ₹25,000 | ₹24,111 | -3.6% |
| Year 3 (22 Sept 2014) | ₹37,000 | ₹54,334 | +46.8% |
| Year 4 (21 Sept 2015) | ₹49,000 | ₹71,924 | +46.8% |
| Year 5 (21 Sept 2016) | ₹61,000 | ₹93,228 | +52.8% |
| Year 6 (21 Sept 2017) | ₹73,000 | ₹1,28,663 | +76.3% |
| Year 7 (21 Sept 2018) | ₹85,000 | ₹1,51,419 | +78.1% |
| Year 8 (23 Sept 2019) | ₹97,000 | ₹1,74,491 | +79.9% |
| Year 9 (21 Sept 2020) | ₹1,09,000 | ₹1,77,331 | +62.7% |
| Year 10 (21 Sept 2021) | ₹1,21,000 | ₹3,05,735 | +152.7% |
| Year 11 (21 Sept 2022) | ₹1,33,000 | ₹3,27,174 | +146% |
| Year 12 (21 Sept 2023) | ₹1,45,000 | ₹3,77,637 | +160.4% |
| Year 13 (23 Sept 2024) | ₹1,57,000 | ₹5,52,398 | +251.8% |
| Year 14 (22 Sept 2025) | ₹1,69,000 | ₹5,46,410 | +223.3% |
| Year 15 (21 Sept 2026) | ₹1,81,000 | ₹5,95,549 | +229% |
Best year of the journey: Year 10 (+61.5% market move) · Toughest year: Year 2 (-8.5%)
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 Sundaram Large and Midcap Fund Regular Plan's published NAV (source: AMFI) between 21 Sept 2011 and 21 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.