₹1,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 20 Years
If you had started a ₹1,000/month SIP on 27 Feb 2007 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 236 installments.
You invested
₹2,36,000
236 installments
Value today
₹10,43,940
9 Sept 2026
Absolute gain
+₹8,07,940
+342.3%
XIRR (annualised)
13.48%
money-weighted
The journey, month by month
Worst fall on the way
-100%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
14
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹5,49,410
Modelled at historical FD rates. The fund beat FD by ₹4,94,530.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (10 Sept 2007) | ₹8,000 | ₹8,806 | +10.1% |
| Year 2 (9 Sept 2008) | ₹20,000 | ₹18,627 | -6.9% |
| Year 3 (9 Sept 2009) | ₹32,000 | ₹37,771 | +18% |
| Year 4 (9 Sept 2010) | ₹44,000 | ₹58,933 | +33.9% |
| Year 5 (9 Sept 2011) | ₹56,000 | ₹64,077 | +14.4% |
| Year 6 (10 Sept 2012) | ₹68,000 | ₹78,305 | +15.2% |
| Year 7 (10 Sept 2013) | ₹80,000 | ₹82,969 | +3.7% |
| Year 8 (9 Sept 2014) | ₹92,000 | ₹1,50,723 | +63.8% |
| Year 9 (9 Sept 2015) | ₹1,04,000 | ₹1,74,766 | +68% |
| Year 10 (9 Sept 2016) | ₹1,16,000 | ₹2,13,566 | +84.1% |
| Year 11 (11 Sept 2017) | ₹1,28,000 | ₹2,69,750 | +110.7% |
| Year 12 (10 Sept 2018) | ₹1,40,000 | ₹3,22,692 | +130.5% |
| Year 13 (9 Sept 2019) | ₹1,52,000 | ₹3,15,662 | +107.7% |
| Year 14 (9 Sept 2020) | ₹1,64,000 | ₹3,32,912 | +103% |
| Year 15 (9 Sept 2021) | ₹1,76,000 | ₹5,60,910 | +218.7% |
| Year 16 (9 Sept 2022) | ₹1,88,000 | ₹5,98,700 | +218.5% |
| Year 17 (11 Sept 2023) | ₹2,00,000 | ₹6,92,050 | +246% |
| Year 18 (9 Sept 2024) | ₹2,12,000 | ₹9,37,917 | +342.4% |
| Year 19 (9 Sept 2025) | ₹2,24,000 | ₹9,37,372 | +318.5% |
| Year 20 (9 Sept 2026) | ₹2,36,000 | ₹10,43,940 | +342.3% |
Best year of the journey: Year 15 (+62.6% market move) · Toughest year: Year 2 (-10.5%)
Wealth Time Machine
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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 27 Feb 2007 and 9 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.