₹25,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 20 Years
If you had started a ₹25,000/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
₹59,25,000
237 installments
Value today
₹2,49,25,944
7 Oct 2026
Absolute gain
+₹1,90,00,944
+320.7%
XIRR (annualised)
13.01%
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
₹1,38,38,670
Modelled at historical FD rates. The fund beat FD by ₹1,10,87,274.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (8 Oct 2007) | ₹2,25,000 | ₹2,81,311 | +25% |
| Year 2 (7 Oct 2008) | ₹5,25,000 | ₹4,09,183 | -22.1% |
| Year 3 (7 Oct 2009) | ₹8,25,000 | ₹10,08,386 | +22.2% |
| Year 4 (7 Oct 2010) | ₹11,25,000 | ₹15,76,366 | +40.1% |
| Year 5 (7 Oct 2011) | ₹14,25,000 | ₹15,27,870 | +7.2% |
| Year 6 (8 Oct 2012) | ₹17,25,000 | ₹20,88,499 | +21.1% |
| Year 7 (7 Oct 2013) | ₹20,25,000 | ₹21,86,707 | +8% |
| Year 8 (7 Oct 2014) | ₹23,25,000 | ₹36,84,105 | +58.5% |
| Year 9 (7 Oct 2015) | ₹26,25,000 | ₹45,41,677 | +73% |
| Year 10 (7 Oct 2016) | ₹29,25,000 | ₹53,99,996 | +84.6% |
| Year 11 (9 Oct 2017) | ₹32,25,000 | ₹68,37,679 | +112% |
| Year 12 (8 Oct 2018) | ₹35,25,000 | ₹71,20,335 | +102% |
| Year 13 (7 Oct 2019) | ₹38,25,000 | ₹82,63,633 | +116% |
| Year 14 (7 Oct 2020) | ₹41,25,000 | ₹85,85,074 | +108.1% |
| Year 15 (7 Oct 2021) | ₹44,25,000 | ₹1,43,20,943 | +223.6% |
| Year 16 (7 Oct 2022) | ₹47,25,000 | ₹1,45,71,774 | +208.4% |
| Year 17 (9 Oct 2023) | ₹50,25,000 | ₹1,67,71,105 | +233.8% |
| Year 18 (7 Oct 2024) | ₹53,25,000 | ₹2,32,02,469 | +335.7% |
| Year 19 (7 Oct 2025) | ₹56,25,000 | ₹2,38,83,142 | +324.6% |
| Year 20 (7 Oct 2026) | ₹59,25,000 | ₹2,49,25,944 | +320.7% |
Best year of the journey: Year 15 (+61.2% market move) · Toughest year: Year 2 (-29.6%)
Wealth Time Machine
Watch this exact journey as a 60-second cinematic replay
Every crash headline, every recovery — with your money in it.
Try a different amount
Try a different duration
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 7 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.