₹1,000 Monthly SIP in Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) for 10 Years
If you had started a ₹1,000/month SIP on 28 Sept 2016 and never stopped — through every crash and rally — here is exactly what happened, using Sundaram Large and Midcap Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s actual NAV for all 121 installments.
You invested
₹1,21,000
121 installments
Value today
₹1,65,240
28 Sept 2026
Absolute gain
+₹44,240
+36.6%
XIRR (annualised)
6.03%
money-weighted
The journey, month by month
Worst fall on the way
-36.6%
Deepest drop from peak. This is what you had to sit through.
Corrections survived
9
Falls of 10%+ during the period. Every one recovered.
Same SIP in a fixed deposit
₹1,68,632
Modelled at historical FD rates. The fund trailed FD by ₹3,392.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (28 Sept 2017) | ₹13,000 | ₹13,575 | +4.4% |
| Year 2 (28 Sept 2018) | ₹25,000 | ₹23,178 | -7.3% |
| Year 3 (30 Sept 2019) | ₹37,000 | ₹34,646 | -6.4% |
| Year 4 (28 Sept 2020) | ₹49,000 | ₹44,303 | -9.6% |
| Year 5 (28 Sept 2021) | ₹61,000 | ₹81,683 | +33.9% |
| Year 6 (28 Sept 2022) | ₹73,000 | ₹92,094 | +26.2% |
| Year 7 (29 Sept 2023) | ₹85,000 | ₹1,14,197 | +34.3% |
| Year 8 (30 Sept 2024) | ₹97,000 | ₹1,63,743 | +68.8% |
| Year 9 (30 Sept 2025) | ₹1,09,000 | ₹1,56,210 | +43.3% |
| Year 10 (28 Sept 2026) | ₹1,19,000 | ₹1,63,258 | +37.2% |
Best year of the journey: Year 5 (+45.1% market move) · Toughest year: Year 9 (-11.1%)
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 Regular Plan - Income Distribution cum Capital Withdrawal (IDCW)'s published NAV (source: AMFI) between 28 Sept 2016 and 28 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.