₹5,000 Monthly SIP in Sundaram Large and Midcap Fund Regular Plan for 20 Years
If you had started a ₹5,000/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
₹11,80,000
236 installments
Value today
₹52,32,251
11 Sept 2026
Absolute gain
+₹40,52,251
+343.4%
XIRR (annualised)
13.5%
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
₹27,48,167
Modelled at historical FD rates. The fund beat FD by ₹24,84,084.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (11 Sept 2007) | ₹40,000 | ₹44,079 | +10.2% |
| Year 2 (11 Sept 2008) | ₹1,00,000 | ₹90,754 | -9.2% |
| Year 3 (11 Sept 2009) | ₹1,60,000 | ₹1,87,789 | +17.4% |
| Year 4 (13 Sept 2010) | ₹2,20,000 | ₹2,95,966 | +34.5% |
| Year 5 (12 Sept 2011) | ₹2,80,000 | ₹3,15,251 | +12.6% |
| Year 6 (11 Sept 2012) | ₹3,40,000 | ₹3,91,902 | +15.3% |
| Year 7 (11 Sept 2013) | ₹4,00,000 | ₹4,21,586 | +5.4% |
| Year 8 (11 Sept 2014) | ₹4,60,000 | ₹7,52,834 | +63.7% |
| Year 9 (11 Sept 2015) | ₹5,20,000 | ₹8,71,796 | +67.7% |
| Year 10 (12 Sept 2016) | ₹5,80,000 | ₹10,51,000 | +81.2% |
| Year 11 (11 Sept 2017) | ₹6,40,000 | ₹13,48,748 | +110.7% |
| Year 12 (11 Sept 2018) | ₹7,00,000 | ₹15,99,143 | +128.4% |
| Year 13 (11 Sept 2019) | ₹7,60,000 | ₹15,81,075 | +108% |
| Year 14 (11 Sept 2020) | ₹8,20,000 | ₹16,92,905 | +106.5% |
| Year 15 (13 Sept 2021) | ₹8,80,000 | ₹28,20,711 | +220.5% |
| Year 16 (12 Sept 2022) | ₹9,40,000 | ₹30,11,454 | +220.4% |
| Year 17 (11 Sept 2023) | ₹10,00,000 | ₹34,60,250 | +246% |
| Year 18 (11 Sept 2024) | ₹10,60,000 | ₹46,98,027 | +343.2% |
| Year 19 (11 Sept 2025) | ₹11,20,000 | ₹47,18,610 | +321.3% |
| Year 20 (11 Sept 2026) | ₹11,80,000 | ₹52,32,251 | +343.4% |
Best year of the journey: Year 15 (+60.9% market move) · Toughest year: Year 2 (-12.8%)
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 11 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.