₹10,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 20 Years
If you had started a ₹10,000/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 237 installments.
You invested
₹23,70,000
237 installments
Value today
₹99,92,279
6 Oct 2026
Absolute gain
+₹76,22,279
+321.6%
XIRR (annualised)
13.03%
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
₹55,34,343
Modelled at historical FD rates. The fund beat FD by ₹44,57,936.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹90,000 | ₹1,12,524 | +25% |
| Year 2 (6 Oct 2008) | ₹2,10,000 | ₹1,65,206 | -21.3% |
| Year 3 (6 Oct 2009) | ₹3,30,000 | ₹4,03,348 | +22.2% |
| Year 4 (6 Oct 2010) | ₹4,50,000 | ₹6,32,804 | +40.6% |
| Year 5 (7 Oct 2011) | ₹5,70,000 | ₹6,11,148 | +7.2% |
| Year 6 (8 Oct 2012) | ₹6,90,000 | ₹8,35,400 | +21.1% |
| Year 7 (7 Oct 2013) | ₹8,10,000 | ₹8,74,683 | +8% |
| Year 8 (7 Oct 2014) | ₹9,30,000 | ₹14,73,642 | +58.5% |
| Year 9 (6 Oct 2015) | ₹10,50,000 | ₹18,16,695 | +73% |
| Year 10 (6 Oct 2016) | ₹11,70,000 | ₹21,60,860 | +84.7% |
| Year 11 (6 Oct 2017) | ₹12,90,000 | ₹27,34,821 | +112% |
| Year 12 (8 Oct 2018) | ₹14,10,000 | ₹28,48,134 | +102% |
| Year 13 (7 Oct 2019) | ₹15,30,000 | ₹33,05,453 | +116% |
| Year 14 (6 Oct 2020) | ₹16,50,000 | ₹34,30,057 | +107.9% |
| Year 15 (6 Oct 2021) | ₹17,70,000 | ₹56,55,093 | +219.5% |
| Year 16 (6 Oct 2022) | ₹18,90,000 | ₹58,39,825 | +209% |
| Year 17 (6 Oct 2023) | ₹20,10,000 | ₹67,56,680 | +236.2% |
| Year 18 (7 Oct 2024) | ₹21,30,000 | ₹92,80,987 | +335.7% |
| Year 19 (6 Oct 2025) | ₹22,50,000 | ₹95,34,160 | +323.7% |
| Year 20 (6 Oct 2026) | ₹23,70,000 | ₹99,92,279 | +321.6% |
Best year of the journey: Year 15 (+59.3% market move) · Toughest year: Year 2 (-29%)
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 27 Feb 2007 and 6 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.