₹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 6 Oct 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
₹1,65,397
6 Oct 2026
Absolute gain
+₹44,397
+36.7%
XIRR (annualised)
6.12%
money-weighted
The journey, month by month
Worst fall on the way
-36.5%
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
₹1,67,893
Modelled at historical FD rates. The fund trailed FD by ₹2,496.
Year-by-year progress
| Year | Invested | Value | Overall gain |
|---|---|---|---|
| Year 1 (6 Oct 2017) | ₹13,000 | ₹13,855 | +6.6% |
| Year 2 (8 Oct 2018) | ₹25,000 | ₹21,995 | -12% |
| Year 3 (7 Oct 2019) | ₹37,000 | ₹33,632 | -9.1% |
| Year 4 (6 Oct 2020) | ₹49,000 | ₹45,101 | -8% |
| Year 5 (6 Oct 2021) | ₹61,000 | ₹81,681 | +33.9% |
| Year 6 (6 Oct 2022) | ₹73,000 | ₹94,922 | +30% |
| Year 7 (6 Oct 2023) | ₹85,000 | ₹1,13,220 | +33.2% |
| Year 8 (7 Oct 2024) | ₹97,000 | ₹1,55,722 | +60.5% |
| Year 9 (6 Oct 2025) | ₹1,09,000 | ₹1,58,704 | +45.6% |
| Year 10 (6 Oct 2026) | ₹1,19,000 | ₹1,63,406 | +37.3% |
Best year of the journey: Year 5 (+43% market move) · Toughest year: Year 2 (-14.9%)
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 6 Oct 2016 and 6 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.