₹2,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 20 Years
If you had started a ₹2,000/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
₹4,72,000
236 installments
Value today
₹20,86,428
23 Sept 2026
Absolute gain
+₹16,14,428
+342%
XIRR (annualised)
13.44%
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
₹11,01,951
Modelled at historical FD rates. The fund beat FD by ₹9,84,477.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (24 Sept 2007) | ₹16,000 | ₹19,734 | +23.3% |
| Year 2 (23 Sept 2008) | ₹40,000 | ₹33,794 | -15.5% |
| Year 3 (23 Sept 2009) | ₹64,000 | ₹77,552 | +21.2% |
| Year 4 (23 Sept 2010) | ₹88,000 | ₹1,19,027 | +35.3% |
| Year 5 (23 Sept 2011) | ₹1,12,000 | ₹1,24,601 | +11.3% |
| Year 6 (24 Sept 2012) | ₹1,36,000 | ₹1,61,818 | +19% |
| Year 7 (23 Sept 2013) | ₹1,60,000 | ₹1,68,595 | +5.4% |
| Year 8 (23 Sept 2014) | ₹1,84,000 | ₹2,96,664 | +61.2% |
| Year 9 (23 Sept 2015) | ₹2,08,000 | ₹3,52,118 | +69.3% |
| Year 10 (23 Sept 2016) | ₹2,32,000 | ₹4,26,562 | +83.9% |
| Year 11 (25 Sept 2017) | ₹2,56,000 | ₹5,34,313 | +108.7% |
| Year 12 (24 Sept 2018) | ₹2,80,000 | ₹6,06,411 | +116.6% |
| Year 13 (23 Sept 2019) | ₹3,04,000 | ₹6,85,880 | +125.6% |
| Year 14 (23 Sept 2020) | ₹3,28,000 | ₹6,64,191 | +102.5% |
| Year 15 (23 Sept 2021) | ₹3,52,000 | ₹11,51,847 | +227.2% |
| Year 16 (23 Sept 2022) | ₹3,76,000 | ₹11,64,260 | +209.6% |
| Year 17 (25 Sept 2023) | ₹4,00,000 | ₹13,48,047 | +237% |
| Year 18 (23 Sept 2024) | ₹4,24,000 | ₹19,54,369 | +360.9% |
| Year 19 (23 Sept 2025) | ₹4,48,000 | ₹19,11,285 | +326.6% |
| Year 20 (23 Sept 2026) | ₹4,72,000 | ₹20,86,428 | +342% |
Best year of the journey: Year 15 (+67.4% market move) · Toughest year: Year 2 (-22.7%)
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 23 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.