₹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 235 installments.
You invested
₹58,75,000
235 installments
Value today
₹2,66,24,584
18 Aug 2026
Absolute gain
+₹2,07,49,584
+353.2%
XIRR (annualised)
13.72%
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
₹1,36,49,037
Modelled at historical FD rates. The fund beat FD by ₹1,29,75,547.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (20 Aug 2007) | ₹1,75,000 | ₹1,77,932 | +1.7% |
| Year 2 (18 Aug 2008) | ₹4,75,000 | ₹4,33,742 | -8.7% |
| Year 3 (18 Aug 2009) | ₹7,75,000 | ₹8,50,277 | +9.7% |
| Year 4 (18 Aug 2010) | ₹10,75,000 | ₹14,23,111 | +32.4% |
| Year 5 (18 Aug 2011) | ₹13,75,000 | ₹15,37,431 | +11.8% |
| Year 6 (21 Aug 2012) | ₹16,75,000 | ₹19,81,480 | +18.3% |
| Year 7 (19 Aug 2013) | ₹19,75,000 | ₹20,03,566 | +1.4% |
| Year 8 (18 Aug 2014) | ₹22,75,000 | ₹35,43,295 | +55.7% |
| Year 9 (18 Aug 2015) | ₹25,75,000 | ₹46,78,095 | +81.7% |
| Year 10 (18 Aug 2016) | ₹28,75,000 | ₹51,23,248 | +78.2% |
| Year 11 (18 Aug 2017) | ₹31,75,000 | ₹65,72,649 | +107% |
| Year 12 (20 Aug 2018) | ₹34,75,000 | ₹82,69,309 | +138% |
| Year 13 (19 Aug 2019) | ₹37,75,000 | ₹79,32,533 | +110.1% |
| Year 14 (18 Aug 2020) | ₹40,75,000 | ₹84,20,117 | +106.6% |
| Year 15 (18 Aug 2021) | ₹43,75,000 | ₹1,33,66,356 | +205.5% |
| Year 16 (18 Aug 2022) | ₹46,75,000 | ₹1,47,12,809 | +214.7% |
| Year 17 (18 Aug 2023) | ₹49,75,000 | ₹1,62,99,320 | +227.6% |
| Year 18 (19 Aug 2024) | ₹52,75,000 | ₹2,31,86,139 | +339.5% |
| Year 19 (18 Aug 2025) | ₹55,75,000 | ₹2,34,44,822 | +320.5% |
| Year 20 (18 Aug 2026) | ₹58,75,000 | ₹2,66,24,584 | +353.2% |
Best year of the journey: Year 8 (+53.8% market move) · Toughest year: Year 7 (-12.2%)
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 18 Aug 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.