₹10,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 10 Years
If you had started a ₹10,000/month SIP on 15 Sept 2016 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 121 installments.
You invested
₹12,10,000
121 installments
Value today
₹25,01,354
15 Sept 2026
Absolute gain
+₹12,91,354
+106.7%
XIRR (annualised)
13.9%
money-weighted
The journey, month by month
Worst fall on the way
-36.9%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
5
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹16,82,767
Modelled at historical FD rates. The fund beat FD by ₹8,18,587.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (15 Sept 2017) | ₹1,30,000 | ₹1,47,238 | +13.3% |
| Year 2 (17 Sept 2018) | ₹2,50,000 | ₹2,91,951 | +16.8% |
| Year 3 (16 Sept 2019) | ₹3,70,000 | ₹3,95,627 | +6.9% |
| Year 4 (15 Sept 2020) | ₹4,90,000 | ₹5,44,263 | +11.1% |
| Year 5 (15 Sept 2021) | ₹6,10,000 | ₹10,32,947 | +69.3% |
| Year 6 (15 Sept 2022) | ₹7,30,000 | ₹11,97,311 | +64% |
| Year 7 (15 Sept 2023) | ₹8,50,000 | ₹14,75,417 | +73.6% |
| Year 8 (16 Sept 2024) | ₹9,70,000 | ₹21,64,882 | +123.2% |
| Year 9 (15 Sept 2025) | ₹10,90,000 | ₹22,35,237 | +105.1% |
| Year 10 (15 Sept 2026) | ₹12,10,000 | ₹25,01,354 | +106.7% |
Best year of the journey: Year 5 (+55.5% market move) · Toughest year: Year 3 (-4%)
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 15 Sept 2016 and 15 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.